Liability
Injuries and damage your drivers cause. Illinois minimums apply; most businesses carry far more.
Home / Commercial / Commercial auto insurance
Commercial auto insurance for work vehicles
A personal auto policy usually won't pay for a vehicle used for business. Commercial auto covers the trucks, vans and cars your company owns, leases or has employees drive.
What it covers
Physical damage
Collision and comprehensive for your vehicles.
Uninsured motorist
Protection when the other driver has little or no coverage.
Hired & non-owned auto
Covers rentals and employees' personal cars used for errands.
Medical payments
Injury costs for your driver and passengers.
Equipment & upfits
Ladder racks, shelving and permanently attached tools.
Common vehicles we insure
- Contractor pickups and cargo vans
- Box trucks and delivery vehicles
- Company cars for sales and service staff
- Small fleets with multiple drivers
What carriers look at
Vehicle types, how far they travel, where they're parked, and your drivers' records. We submit to carriers that fit your fleet, not just the first one that answers.
Need hired and non-owned coverage only? It can often be added to a business owner's policy.
Questions we hear often
Can I use my personal policy for my work van?
Usually not, if the van is titled to the business or used mainly for work. A claim could be denied.
Are my employees covered driving company vehicles?
Listed drivers are covered. We'll review each driver's record with you before binding.
Can I add my trailer?
Yes. Trailers and the equipment on them can be scheduled on the policy.
Get your vehicles quoted
Tell us what you need to cover. An agent will review carriers and call you back, usually the same business day.