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Commercial Auto Insurance

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What Is Commercial Auto Insurance?

Every business that owns, leases, or uses vehicles for work needs commercial auto insurance. Not eventually. Immediately. One accident can turn a business asset into a six-figure liability.

This coverage picks up where personal policies leave off—paying for damage, lawsuits, medical bills, and the unexpected costs that follow your driver’s worst day. It’s built for real risk, not weekend errands.

Whether you operate a single service van or manage an entire fleet, commercial auto insurance exists to do one job: protect your business from what happens when the rubber meets the road.

Why Is Commercial Auto Insurance Important?

One serious accident can wipe out your operating capital—and maybe your business. Commercial auto insurance exists so that doesn’t happen.

It doesn’t just cover dents and tow trucks. It pays for hospital bills, legal settlements, and the unexpected costs that follow your driver’s worst day. When your vehicle wears your company’s name, the responsibility follows you.

You likely need coverage if you:

  • Own or lease a vehicle under your business
  • Visit clients or job sites regularly
  • Haul equipment, tools, or inventory
  • Deliver goods or transport people for work

The risk isn’t parked in a spreadsheet. It’s parked in your driveway. This policy protects your business from what happens next.. They’re parked in your lot, on the road, and behind the wheel every day.

Commercial Auto Insurance Coverage

What Does Commercial Auto Insurance Cover?

A good commercial auto policy isn’t just a stack of paperwork—it’s a shield. The right policy includes:

  • Liability Coverage. Pays when your driver injures someone or damages property.
  • Collision Coverage. Pays for your vehicle’s repairs after a crash.
  • Comprehensive Coverage. Covers theft, fire, vandalism, and other non-collision damage.
  • Medical Payments / PIP. Pays medical bills for your driver and passengers.
  • Uninsured / Underinsured Motorist. Steps in when the other driver can’t pay.
  • Hired and Non-Owned Auto. Protects you when employees drive personal or rented cars for work.

Don’t think of this policy as vehicle coverage. Think of it as lawsuit coverage.. It’s to cover your business from what your vehicles can do.

Additional Coverage For Your Business

Does your small business need more than commercial auto insurance? We offer several forms of protection from our highly-rated insurance carrier partners. This helps you get the best combination of coverage and price and can be customized as your business grows.

General Liability Insurance

General Liability

This coverage protects you and your employees. It helps pay for expenses like medical costs and lost wages to employees who become injured or ill on the job or in the course and scope of their employment.
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Business Owner's Policy

Business Owners’ Policy

This coverage, known as a “BOP”, packages general liability and property coverage into one convenient policy. It’s a common choice for small businesses with commercial buildings or business personal property.
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Workers' Compensation Insurance

Workers’ Compensation

This coverage protects you and your employees. It helps pay for expenses like medical costs and lost wages to employees who become injured or ill on the job or in the course and scope of their employment.
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Professional Liability Insurance

General Liability

This is unique liability protection for businesses that render professional services, consultations, or advice. It protects against claims of professional negligence. It’s commonly known as Errors and Omissions insurance.
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Who Needs Commercial Auto Insurance?

Does your vehicle work for your business? If the answer is yes—even occasionally—you likely need commercial auto insurance. Most personal auto policies don’t cover business use, and the gap often becomes visible only after a claim.

Some situations are clear-cut: fleets, delivery trucks, or tradesmen hauling equipment. But many fall into the gray zone—client visits, transporting tools, or quick bank runs for the business. If it ties back to revenue, it probably counts as business use.

Don’t wait until a claim is denied to discover you’re unprotected. If your vehicle supports your business, then your insurance should, too.

Commercial Auto Insurance Costs

How Much Does Commercial Auto Insurance Cost?

You won’t find a one-size-fits-all rate. What you pay depends on what you drive, how you use it, and who’s behind the wheel.

Insurers consider:

  • The type of vehicle
  • Your business location and driving radius
  • Driving records and claims history
  • How the vehicle is used
  • Desired coverage limits

Light-use policies may start near $1,200 a year. But trucks, fleets, or higher-risk use can run far more. Still, a good policy costs less than one uninsured claim.

The goal isn’t to pay less. The goal is to stay in business when the worst happens.

How Do I Buy Commercial Auto Insurance?

Start by finding someone who understands the risks tied to your vehicle—not just the VIN number. A good agent will ask how your business works, not just what your vehicle looks like.

Here’s how it usually goes:

  1. Identify your vehicles, drivers, and usage.
  2. Choose the right mix of coverages.
  3. Collect driver and vehicle info.
  4. Get quotes from carriers that know your industry.
  5. Review terms, bind coverage, and get proof.

Don’t settle for boilerplate. Commercial auto insurance should fit like a glove—and cover you when the road gets rough.

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market for you. It’s fast, safe and secure.

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Call 877-334-7646 to speak with a business specialist.

Commercial Auto FAQs?

Is commercial auto insurance required by law?

Yes—in nearly every state. If your vehicle is registered to a business or used primarily for work, you’re required to carry liability coverage. The only exceptions are New Hampshire and Virginia, and even there, you’ll still be held financially responsible if an accident occurs. The law may set a minimum, but real protection often requires more than the bare legal limit.

Who is insured under a commercial auto policy?

A commercial auto policy protects your business first. It covers the company, the vehicle owner (if it’s the business), and any employees who are authorized to drive. That includes named drivers, full-time employees, and—when listed—temporary drivers or contractors. Volunteers or family members are not usually covered unless explicitly added to the policy.

What’s the difference between commercial auto and personal auto insurance?
Personal auto insurance is built for private use—commuting, errands, vacations. It excludes most work-related driving. Commercial auto insurance is designed for business use. It includes higher liability limits, protects your company assets, and covers vehicles used for deliveries, transporting tools, visiting clients, or job-site travel. If you’re using your car to make money, you need coverage that protects the business—not just the driver.
How much commercial auto insurance do I need?
Every state sets minimum liability limits—but those won’t go far if someone sues you. A single accident can trigger six-figure legal bills. If your business owns assets, has contracts, or employs drivers, you should consider higher liability limits and physical damage coverage. It’s not about meeting the legal minimum—it’s about protecting what you’ve built.
Can I buy commercial auto insurance and get covered the same day?

In many cases, yes. A single vehicle used for typical business tasks can often be quoted and bound the same day. More complex operations—like delivery fleets or high-risk industries—may require underwriter review, which can take a few days. The key is having complete, accurate info up front.

Can I make changes to my policy mid-term?

Yes. You can add or remove drivers, update vehicles, change garaging addresses, or adjust coverage amounts at any time. Most changes can be processed quickly—just contact IronPoint Support and we’ll handle it for you.

What happens if I cancel or let my policy lapse?
You can cancel anytime, but doing so without replacement coverage can leave your business exposed. Worse, if your policy lapses due to non-payment, you could face higher premiums when you try to reinstate or buy again. Carriers view lapses as signs of higher risk, so it pays to plan ahead.
Does commercial auto insurance cover personal use?
Yes, in most cases. Owner-operators and business vehicles can typically be used for personal errands, especially if they’re driven by the business owner. However, if your use is mostly personal, the carrier may recommend a different type of policy.