What Does Commercial Auto Insurance Cover?
Available coverage options may include:
- Auto liability: Helps pay covered bodily injury and property damage claims against your business, along with covered legal defense costs.
- Collision: Helps repair or replace an insured vehicle damaged in a collision or rollover, subject to the deductible and policy terms.
- Comprehensive: Addresses covered non-collision losses, such as theft, fire, vandalism, hail, or animal strikes.
- Uninsured and underinsured motorist: Provides protection for eligible losses involving drivers with no insurance or insufficient limits.
- Medical payments or personal injury protection: Helps with eligible injury-related expenses, depending on state requirements and selected coverage.
Rental reimbursement, towing, and other enhancements may also be available. Your policy identifies which vehicles and coverages are included.
Who Needs Commercial Auto Insurance?
Review commercial auto coverage if your business owns vehicles, transports goods or equipment, makes deliveries, or sends employees to customer locations.
Common examples include:
- Contractors using pickups, work trucks, and vans.
- HVAC, plumbing, electrical, and landscaping businesses.
- Cleaning and restoration companies.
- Delivery, catering, and service businesses.
- Companies operating multiple vehicles or a growing fleet.
Vehicle ownership, driver eligibility, travel radius, and the work performed all affect available options. Passenger transportation, trucking, and hazardous-material hauling require specific review and may need specialized insurance programs.
Business Insurance Coverages
Hired and Non-Owned Auto Insurance
Your business can face an auto liability claim even when it does not own the vehicle involved.
Hired auto liability addresses covered business liability involving eligible vehicles you rent, hire, or borrow.
Non-owned auto liability addresses covered business liability when employees use their own vehicles for work, such as visiting clients or running company errands.
These liability coverages do not, by themselves, pay for damage to the vehicle being driven. Hired-auto physical damage may be available separately. Damage to an employee’s personal vehicle requires review of that vehicle’s insurance; payment should never be assumed.
Tell us about employee driving and rental vehicles when requesting your review—even if your business owns no vehicles.
What Needs Additional Coverage or Review?
Commercial auto insurance does not cover every expense associated with your vehicles.
- Tools, equipment, and cargo: Vehicle physical damage coverage generally does not insure everything carried inside. Separate property, inland marine, or cargo coverage may be needed.
- Wear and tear: Routine maintenance and ordinary mechanical breakdown are generally excluded.
- Employee injuries: Work-related injuries may involve workers’ compensation; auto coverage alone should not be treated as a substitute.
- Changes in vehicle use: Personal use, deliveries, passenger transport, and new operating areas should be disclosed and reviewed.
Coverage depends on the insured vehicles, drivers, selected protections, exclusions, and policy territory.
Compare Commercial Auto Options With ConXis
ConXis reviews your vehicles, drivers, business activities, and insurance requirements to help compare available commercial auto options. We look at liability limits, physical damage deductibles, hired and non-owned exposures, and how your coverage fits client contracts.
Whether you operate one work vehicle or a fleet, bring your current policy, vehicle list, driver information, and renewal date. We’ll help you understand the differences between available options and identify your next step.
Request a Commercial Auto Insurance Review →
Call 469.844.7777 →
Related Business Insurance Coverages
Most businesses face risks that require more than one type of insurance coverage. The right combination depends on your employees, property, vehicles, contracts, services, and industry.
- Workers’ Compensation: Helps cover work-related employee injuries and illnesses and may be required depending on your state and business.
- Commercial Auto Insurance: Covers vehicles used for business operations and liability arising from covered auto accidents.
- Commercial Property Insurance: Helps protect buildings, equipment, inventory, and other business property from covered losses.
- Professional Liability Insurance: Protects against certain claims involving professional mistakes, negligence, advice, or services.
- Pollution Liability Insurance: Provides coverage for certain pollution and environmental exposures that general liability policies may exclude.
- Cyber Liability Insurance: Helps address costs and liability associated with data breaches, cyberattacks, and other covered cyber incidents.
- Employment Practices Liability Insurance: Helps protect businesses against certain employment-related claims such as discrimination, harassment, or wrongful termination.
- Commercial Umbrella Insurance: Can provide additional liability limits above certain underlying business insurance policies.
ConXis Insurance Services can review these coverages together to help identify gaps, overlapping protection, and the limits your business or contracts may require.
