Commercial insurance
Commercial auto insurance
If you use your pickup or van for work, or the vehicle is in your business name, a personal policy can deny a claim. Commercial auto covers your work vehicles and your drivers.
- For one or several work vehicles
- Covers tools and equipment, if you add it
- Certificates for your contracts
What does it cover?
| Coverage | What it pays for |
|---|---|
| Liability | Damage and injuries your work vehicles cause to others. |
| Physical damage | Collision and comprehensive for your pickups, vans and trailers. |
| Uninsured motorist | Protection if you are hit by someone without enough insurance. |
| Hired and non-owned autos | Liability when you use rented cars or your employees' cars for the business. |
| Tools and equipment | Equipment you carry in the vehicle, with a separate inland marine coverage. |
These are the most common coverages. Exact options, limits and deductibles depend on the carrier and your state.
Who is it for?
- Contractors with pickups and trailers
- Cleaning, landscaping and delivery companies
- Businesses with vans or small fleets
Have this ready
- Business name and FEIN
- VIN of each vehicle
- Each driver's license
- What the vehicles are used for and how far they go
Missing something? Start anyway. We'll ask for the rest later.
How it works
- 1
Fill out the form
About 2 minutes, from your phone.
- 2
We compare options
A licensed agent checks several carriers for your case.
- 3
You choose and you're covered
We explain everything in plain language and start your policy.
Frequently asked questions
Can I use my personal policy for work?
Many personal policies exclude business use. If the vehicle is used for work, the right policy is commercial.
Is this for trucking?
For freight trucks and DOT/MC authority, visit dannyruizmyagent.com, where we quote trucking.
Other coverage
Insurance guides
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Garagekeepers vs. Garage Liability Insurance
Two coverages with nearly the same name protect completely different things. Here is how to tell them apart — with examples from real shop situations.
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How to Request Insurance for a 24-Unit Apartment Building
The documents and details that get a 24-unit building quoted quickly — and the questions that slow it down.
A licensed agent reviews every request. Coverage, eligibility and price depend on the carrier and underwriting. The information on this page is general and does not replace the policy terms.