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Commercial auto insurance
Get property and liability protection to cover you and your employees when you're driving for your small business.
Or call 844-925-1272 for a quote
What is a small commercial auto insurance policy?
Commercial auto insurance helps pay for bodily injuries and property damage sustained by others when you or an employee causes an accident while driving a company-owned, personal, or leased vehicle for small business purposes. You can typically add collision and comprehensive coverage to a policy to cover the cost of repairs to the business's vehicles as well.
What's covered under a small commercial auto insurance policy
Commercial auto insurance generally includes coverage for:
- Liability costs for third-party bodily injuries and property damage stemming from an accident you or one of your employees cause while driving a company-owned, personal, or leased vehicle
- Medical expenses for you, your employees, and passengers when injured in a motor vehicle accident
- Physical damage to your vehicle from an accident (collision coverage) or something else (comprehensive coverage)
- Bodily injuries and property damage caused by underinsured or uninsured motorists
Why choose Liberty Mutual for small commercial auto insurance coverage?
Why work with independent insurance agents
Who needs small commercial auto insurance?
Any small business that uses one or more company-owned, personal, or leased vehicles for business purposes needs commercial auto insurance.
An owner's or employee's personal auto insurance policy will not cover vehicles driven for business purposes.
Small commercial auto insurance provides valuable protection for businesses that
- Utilize cars, trucks, or vans to conduct business (bakeries, hardware stores, etc.)
- Attend meetings or visit jobsites (lawyers, interior decorators, architects, engineers, etc.)
- Haul equipment or tools to jobsites (carpenters, electricians, etc.)
- Use light trucks and construction vehicles (builders, general contractors, etc.)
Small commercial auto insurance frequently asked questions
The cost of a small commercial auto insurance policy depends on several factors, including
- Selected coverages and limits
- The types and number of covered vehicles
- How your business uses the covered vehicles
- Where and how often you and your employees drive
- The driving records and claims histories of covered drivers
Request a commercial auto insurance quote through an independent agent to get a better idea of the cost for your small business, keeping in mind that the best commercial auto insurance isn’t necessarily the cheapest.
Small business auto insurance covers a broad variety of vehicles, including
- Work vans and box trucks
- Forklifts and other construction vehicles
- Service utility vehicles
- Trailers
- Company cars
- Food trucks and catering vans
- Dump trucks
Generally speaking, commercial auto insurance covers business owners, drivers named on the policy, employees, and volunteers when they're driving vehicles covered under a policy.
Almost every state requires commercial auto insurance for company-owned vehicles. The minimum required liability insurance will vary by state.
Consult an independent agent to determine what coverage your state requires.
You absolutely can - and should! We recommend working with an independent agent to review the coverage needs of your business and help you find the right insurance product.
Protect what you've worked
hard to build
hard to build
Take the first step by getting a quote now or finding an independent
agent who can help you choose the right coverage options.