Commercial Auto Insurance

Get Commercial Auto Liability Insurance for Deliveries, Service & More

If your business relies on vehicles for deliveries, service calls, or transportation, you need protection on the road. Commercial auto insurance covers your vehicles against accidents, damage, and liability claims. Whether you operate one car or a fleet, this type of coverage helps safeguard your business from the financial risks of driving for work.

What Is Commercial Auto Insurance?

Commercial auto insurance, also called business auto insurance, is a policy designed to protect company-owned vehicles from financial loss. If your business owns cars, vans, or trucks, this coverage provides essential protection whenever they’re used for work purposes. 

What Does Commercial Auto Insurance Cover?

Bandaged finger on a hand showing bodily injury.
Bodily injury
Two cars hitting each other showing showing that commercial auto insurance can protect you from property damage.
Property Damage
A wallet with a medical sign and money showing medical costs.
Medical costs
A truck with a ! showing uninsured motorists.
Uninsured motorists

Commercial auto insurance provides essential protection for business-owned vehicles1. It covers bodily injury and property damage if your company vehicle is involved in an accident.

Standard policies also include collision coverage to repair or replace your vehicle, plus comprehensive insurance for theft, vandalism, and other non-collision losses. In addition, it offers liability coverage to help with legal expenses and damages if your vehicle causes an accident.

What Is Not Covered By Business Auto Insurance?

Commercial auto insurance actively protects your business for accidents and property damage caused by your vehicles, but it has limitations:

  • Personal vehicles
  • Leased vehicles
  • Wear and tear of business vehicles
  • Employee injuries

This coverage excludes intentional acts, such as employee theft of a company vehicle. Additionally, injuries sustained by employees are typically covered by workers compensation.

What Is Commercial Auto Liability Insurance?

Commercial auto liability insurance is a part of your business auto insurance policy. It protects your company if a business-owned vehicle causes an accident, covering the costs of bodily injury and property damage to other drivers, passengers, or pedestrians when your vehicle is at fault. 

What Does Business Auto Liability Cover?

Here are the key coverages:

  • Bodily injury liability: Pays for medical expenses, lost wages, and legal costs if another person is injured in an accident caused by your business vehicle. 
  • Property damage liability: Covers the repair or replacement of another person’s car, building, or other property damaged by your vehicle. 
  • Legal defense costs: Helps pay attorney fees, court costs, settlements, or judgments if your business is sued after an accident. 

Why is Commercial Auto Liability Important? 

Commercial auto liability insurance is required in most states2 for any business that owns and operates vehicles. Without it, your company could face significant financial risk from accident-related claims, lawsuits, and damages. This coverage ensures your business remains compliant with state laws and financially protected in the event of an at-fault accident. 

Who Needs Commercial Auto Insurance?

Any business that uses vehicles for work purposes should have this type of protection. A personal auto policy typically does not cover business use, which can leave your company financially exposed if an accident happens. Consider this coverage if your business:  

  • Owns or leases vehicles titled to the company  
  • Rents vehicles long-term for business use 
  • Operates specialized vehicles such as food trucks, delivery vans, construction vehicles, or service utility trucks 

If your employees use personal cars or your business rents vehicles short-term, Hired and Non-Owned Auto Insurance (HNOA) may be a better fit. 

How Much Does Commercial Auto Insurance Cost?

Generally, Gild Insurance clients spend $200 a month on their commercial auto insurance policies. Several factors can influence the cost of your policy including: 

  • The type and value of the vehicles 
  • The number of vehicles owned 
  • The driving records of your employees 
  • Your business operations 
  • Your business’ claims history 

The best way to find your commercial auto insurance cost is to get a free, online quote in minutes!

Get A Commercial Auto Insurance Quote!

Your Gild Insurance Agent is here to understand your business and find the right coverage tailored to your needs.

For a free, online quote in minutes, try out Gildber! The fast, hassle-free option for a business insurance. 

1 Insurance Information Institute, Business Owned Vehicles 

2 Nevada Department of Motor Vehicles, DMV Links