Commercial Auto Insurance Coverages

See what can be covered under a commercial auto policy.

Uninsured/Underinsured Motorists

This coverage helps you protect yourself financially if one of your covered vehicles is in an accident with another party who's at fault and either has no insurance or insufficient insurance for the level of damage.

Medical Payments

This coverage can help pay for certain medical and funeral expenses for all occupants in a covered vehicle involved in an accident.

Bodily Injury and Property Damage

If you are legally liable for a covered accident that causes injury to another person or physical damage to someone’s property, this coverage can apply (up to the limit of liability you select).

Rental Vehicle Reimbursement

For each covered vehicle, the insured would receive reimbursement of incurred rental charges up to a maximum specified in the policy for each qualified loss.

Additional Coverage Options:

  • Comprehensive/Theft & Fire/Collision
  • Hired Auto
  • Employer’s Non-Ownership
  • Towing and Labor Reimbursement
  • Loan Lease Gap (varies by state)
  • Temporary Auto
  • Transportation Expenses

Commercial Auto Insurance Discounts

Here are just a few ways you can save money on a commercial auto policy. Discount availability varies by state.

Electronic Funds Transfer (EFT)

Pay with EFT using your checking account or savings account and receive a discount on certain business types.

Business Experience

A discount will apply when the Named Insured’s current business started at least three years prior to the policy period inception year.

Commercial Driver’s License

A discount applies if all listed drivers have had a commercial driver’s license for two or more years.


This applies when the Named Insured has an in-force General Liability or Business Owner's policy.

Proof of Prior Insurance

A policy will be eligible for additional savings if the customer has had continuous coverage for at least one year with the same carrier, without a lapse.

Paid in Full

Paid in full policies will receive a discount.

Commercial auto vehicles on the road

Manage Your Commercial Auto Policy with Ease

Mobile App

Review your bill, make payments, access your ID cards, view policy information and find your insurance representative's contact information - all from your mobile device.


You can "click to sign" your policy documents with this mobile-friendly feature, and it's standard for all new policies, unless you prefer to sign paper documents – that's also an option.

Text Alerts

When you elect to receive text alert payment reminders, we include a link to our mobile website so you can easily pay your bill.

Commercial Auto Insurance FAQ

Have questions about commercial auto insurance?

Our commercial auto program calculates a policy’s rate based on many interactive underwriting questions that your insurance representative will ask you during the quote process. The result is a rate calculated specifically for you, your business, your vehicles and how your vehicles are used. Working with an insurance representative, you can get a competitive quote in three minutes or less!
While personal auto policies vary from carrier to carrier, some personal auto policies may offer an endorsement providing additional coverage for business use that could be subject to coverage limitations. Speaking with your insurance representative about your specific business, your vehicle(s) and your desired level of coverage is a great way to learn about your insurance choices. 
Our program accepts over 1,500 business descriptions and many popular commercial auto vehicle types including passenger cars, SUVs, pickups and vans, small specialty trucks, and an assortment of truck types and trailers. Talk to your insurance representative about your specific business and type of vehicle to see about available coverage.

Get a quote for your commercial auto with an independent agent