Commercial Auto Insurance
Your vehicles are vital to your day-to-day operations — whether you're delivering products, meeting clients, or hauling equipment. That’s why having the right commercial auto insurance is essential to protecting your business. We’ll help you explore the best coverage for your needs, whether that means fleet insurance or individual vehicle policies.
Why Commercial Use Matters
Personal auto insurance policies don’t cover vehicles being used for business purposes. If you or your employees are using vehicles for work, it’s important to have a commercial policy in place. Otherwise, you could be left uninsured in the event of an accident.
What Can Help Lower Your Premiums?
- Anti-theft & safety devices: Alarms, airbags, GPS tracking, and mandatory seatbelt policies can all lead to discounts.
- Higher deductibles: Choosing a higher deductible lowers your monthly premium by shifting more upfront risk to you.
- Driver records: Hiring qualified drivers with clean driving histories helps reduce your overall insurance costs.
- Vehicle types: Premiums are typically higher for high-performance or sportier vehicles. Choosing vehicles with top safety ratings can help you save.
- Location: Where your vehicles are stored and operated affects your theft and comprehensive coverage costs.
Regulatory & Operational Considerations
Some industries are subject to specific federal or state regulations regarding vehicle operation and insurance requirements. If you lease or rent vehicles, or use third-party equipment, you may also need non-owned vehicle coverage. We’re here to help you stay compliant and make sure you’re fully covered — no matter how your business moves.
