Commercial Auto Insurance
Comprehensive coverage for your business vehicles, from single work trucks to entire fleets. Protect your drivers, vehicles, and cargo on the road.
What is Commercial Auto Insurance?
Commercial Auto Insurance provides coverage for vehicles used for business purposes. Unlike personal auto insurance, commercial policies are designed to protect vehicles owned by your company, as well as employees who drive them for work-related activities.
Whether you have a single company car, a fleet of delivery trucks, or specialized work vehicles, commercial auto insurance covers liability, collision, comprehensive damage, medical payments, and uninsured motorist protection.
At Guidepost Insurance Services, we partner with 50+ carriers to find the right coverage for your specific business vehicles and operations at competitive rates.
What Does Commercial Auto Cover?
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Liability Coverage
Pays for injuries and property damage you cause to others in an accident
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Collision Coverage
Repairs or replaces your vehicle if damaged in a collision, regardless of fault
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Comprehensive Coverage
Covers theft, vandalism, fire, weather damage, and other non-collision events
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Medical Payments
Covers medical expenses for you and passengers injured in an accident
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Uninsured/Underinsured Motorist
Protects you if hit by a driver without adequate insurance
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Hired & Non-Owned Auto
Covers rented vehicles or employee-owned vehicles used for business
Real-World Example
Scenario: Your delivery driver runs a red light and causes a multi-vehicle accident, totaling your company van and injuring two people in another car.
- Commercial auto pays $180,000 in injury claims to the other driver and passenger
- $45,000 property damage to the other vehicle is covered
- Collision coverage replaces your $38,000 work van
- Your employee's medical bills from the accident are paid
Without Commercial Auto
Personal auto insurance typically excludes business use — leaving you personally liable for $260,000+ in damages. You'd also lose your vehicle and potentially face lawsuits that could garnish your wages and seize business assets for years.
Average commercial auto accident claim: $70,000 - $500,000+ for serious injuries
Vehicles We Cover
We provide commercial auto coverage for virtually any type of business vehicle
When Do You Need Commercial Auto Insurance?
If you use your vehicle primarily for business purposes, or if your personal auto policy excludes business use, you need commercial auto insurance. This includes:
- Vehicles titled in a company name
- Transporting goods or passengers for a fee
- Hauling equipment or tools
- Employees driving company vehicles