Commercial Auto Insurance
Coverage for vehicles your business owns or leases
If your business owns or leases vehicles for work, commercial auto insurance is a core part of protecting the business. Company cars, pickup trucks, vans, service vehicles, and delivery vehicles can all create liability and property damage exposure when they are used in business operations.
Commercial auto insurance is not just for large fleets. Many small businesses need it too. If your business uses vehicles to visit job sites, make deliveries, transport equipment, or serve customers, those vehicles should be insured for business use.
At Concklin Insurance Agency, we help business owners build commercial auto coverage around the vehicles they use, the drivers behind the wheel, and the risks tied to daily operations.
Who should consider commercial auto insurance
Businesses should consider commercial auto insurance when they:
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own vehicles used for work
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lease vehicles used for work
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have company vehicles driven by employees as part of their job duties
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use trucks, vans, or cars to transport tools, materials, equipment, or products
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rely on company vehicles for deliveries, service calls, or travel between job sites
If employees use their own vehicles for business tasks, that exposure should be reviewed under Hired and Non-Owned Auto Insurance, not assumed to be covered under commercial auto. Hired and non-owned auto applies to vehicles the business does not own but that are used for business purposes, including an employee's personal vehicle.
If your business rents vehicles for work, that exposure should also be reviewed carefully. Depending on the policy structure, rented vehicle exposure may be addressed through commercial auto, hired auto coverage, or both.
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Key commercial auto coverages
Liability coverage
Liability coverage protects your business when a covered vehicle causes bodily injury or property damage to someone else. A serious accident can create repair costs, injury claims, legal expenses, and lawsuits.
Collision coverage
Collision coverage pays for damage to a covered business vehicle after an accident. This coverage helps repair or replace the vehicle after a crash, subject to the deductible and policy terms.
Comprehensive coverage
Comprehensive coverage pays for damage caused by events other than a collision, such as theft, vandalism, or fire. This protects the vehicle itself from many non-crash losses.
Uninsured and underinsured motorist coverage
This coverage helps protect your business when another driver causes an accident but does not have enough insurance, or does not have insurance at all.
Medical payments and legal expense related protection
Commercial auto claims can also involve medical bills, lost wages, and legal defense costs after an at fault accident.
Frequently Answered Questions
What is commercial auto insurance?
Commercial auto insurance covers vehicles used in business operations. It helps protect the business against liability claims, vehicle damage, and other losses tied to company vehicles and business driving exposure.
Who needs commercial auto insurance?
Businesses need commercial auto insurance when they own or lease vehicles for work. It is not limited to large fleets. Small businesses that use vehicles for deliveries, service calls, job site visits, or transporting equipment may need it too.
Does personal auto insurance cover business use?
Not reliably. Personal auto insurance can exclude or limit business use. If the vehicle is owned by the business, it belongs under commercial auto. If the vehicle is owned by an employee but used for work, that exposure should be reviewed under hired and non-owned auto coverage.
What does commercial auto insurance cover?
Commercial auto insurance can cover liability, collision, comprehensive losses, uninsured or underinsured motorist claims, and other vehicle-related exposures depending on the policy.
Do small businesses need commercial auto insurance?
Yes. Commercial auto insurance is not just for large fleets. Small businesses that use company vehicles for deliveries, service calls, transporting tools, or visiting clients may need it.
What if employees use their own vehicles for work?
If employees use their own vehicles for business tasks, the business still has auto liability exposure. That exposure should be reviewed under Hired and Non-Owned Auto Insurance, not assumed to be covered under the business's commercial auto policy.
Can I use my commercial vehicle for personal use?
Possibly, but that use should be reviewed carefully. A commercial auto policy does not always provide the same protection for personal use that a personal auto policy would. If a company vehicle is used for both business and personal driving, Drive Other Car coverage may be worth considering.
Does commercial auto insurance cover leased vehicles?
Yes. Vehicles the business leases for work are commonly part of the commercial auto exposure.
Does commercial auto insurance cover rented vehicles?
Rented vehicle exposure should be reviewed carefully. Depending on how the vehicle is used and how the policy is structured, it may be addressed through commercial auto, hired auto coverage, or both.
How much does commercial auto insurance cost?
The cost depends on the type of vehicles, how they are used, who is driving them, driving records, where they travel, and the coverages and limits selected.
Is commercial auto insurance required?
If a business owns or leases vehicles, commercial auto insurance is often needed to insure them properly for business use. Requirements can also come from lenders, leases, contracts, or state law.
Does commercial auto insurance cover tools, cargo, or equipment inside the vehicle?
No. Commercial auto insurance is built to cover the vehicle and auto liability exposures. Tools, equipment, and other business property being transported need separate coverage.
See also: What Is Inland Marine Insurance and Why Your Business Might Need It.
How much liability coverage should a business carry?
The right limit depends on the business, the vehicles, the contracts involved, and the severity of loss the business could face. Businesses with heavier vehicles, employees on the road, or contractual insurance requirements often need stronger limits and may also need umbrella coverage.
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The Concklin Difference
Family Owned Small Business
We understand small business because we are one. Concklin Insurance Agency was started by Craig Concklin and his father, Tom Concklin in 1981. We continue to be a family owned, small business to this day.
Independent Insurance Agents
We work with more than 30 insurance carriers, which gives us more flexibility when comparing commercial auto options across different industries, vehicle types, and driver profiles.
Value Added Services
We offer a wide range of value added services including our Client Resource Portal and comprehensive Training and Learning Solutions Portal.
Community Involvement
We understand the importance of community. Which is why we participate in fund raisers, and donate directly to local and national nonprofits.
Client Advocacy
We help clients work through coverage questions, claims concerns, and insurance decisions before and after coverage is placed.
Referral Program
At the end of every quarter we donate $20 for each referral we receive. If you'd like to learn more about our referral program, or send us a referral - click here.
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