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.
Package/Multi-Product
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.
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.
eSignature
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?
Commercial and Small Business Fleet Car Insurance
Commercial auto policies are as varied and unique as the business owners behind the wheel. Here are some of the program features.
