What Is Commercial Auto Insurance?

If you own your own company and use vehicles as a part of your business, you may be wondering if you need special auto insurance to provide the right coverage. What exactly is commercial auto insurance, and when do you need it?


A commercial auto insurance policy can provide coverage for physical damage and liability in usage situations that aren’t covered in a personal policy. Generally, if a vehicle is used for work related to a job, whether the vehicle is owned by the company or the employee, a commercial auto policy can provide coverage to protect the business.

Vehicle Coverage

Commercial auto insurance can also provide coverage based on the type of vehicle you use in the course of business. The vehicles covered under an auto policy include those that weigh over a certain amount, box trucks, dump trucks, cargo vans and even food trucks. Getting commercial coverage on these types of vehicles can help ensure your company and employees are covered in case of an accident.

There are many different situations where commercial auto insurance may be necessary, and it can be difficult to know exactly when you need it. Research to make sure you have the right coverage to protect yourself and your company and avoid being caught by surprise if the unexpected happens.