Commercial Auto Insurance
Coverage to Help Keep Your Businesses in Motion
What Is Commercial Auto Insurance?
Commercial auto insurance is designed to protect you from financial losses caused by accidents involving vehicles you own, lease, or rent for work. Think of it as a safety net for company vehicles, helping you stay focused on the journey instead of worrying about the bumps in the road.
This policy covers cars, trucks, and vans used for business operations, including protection for damage to company vehicles, medical costs, and injuries suffered by others. Due to the nature of commercial operations, it offers higher liability limits than personal auto insurance.
Who Needs Commercial Auto Insurance?
Our commercial auto insurance policies are designed for businesses that haul their own products and gear, not vehicles that haul commodities for others. They’re also suitable for plumbers, electricians, florists, furniture stores, landscapers, and contractors who transport people, tools, equipment, and supplies to and from job locations. Coverage is available for a wide range of vehicles with a Gross Vehicle Weight (GVW) up to 26,000 pounds.
Coverage Options
Built for the long haul, Haulers Insurance offers straightforward protection, flexible payments, and fast claims support to keep your operation moving. Whether you’re heading to the next job site or delivering your latest shipment, this program is designed to provide coverage options that fit, pricing you can count on, and customer service you can trust.
Required Coverage
- Liability for Bodily Injury, and Property Damage – Covers injuries or death of pedestrians or passengers in other vehicles resulting from an accident caused by a company vehicle. It also includes damage to or loss of property belonging to others, such as cars, buildings, or fences.
- Uninsured/Underinsured Motorist – This coverage can help pay certain covered expenses for you and your passengers if the driver who caused the accident doesn’t have insurance. If the at-fault driver’s insurance limits are too low, underinsured motorist coverage helps cover the difference between those limits and the actual damages, up to the policy’s maximum.
Optional Coverage
- Medical Payments – Provides coverage for reasonable, necessary medical, and funeral expenses incurred by drivers and passengers injured in a covered auto accident, regardless of fault.
- Non-Owned Auto Coverage – Provides liability coverage if employees cause bodily injury or property damage while driving their own personal vehicles or vehicles owned by others for company business.
- Hired Auto Coverage – Can provide liability and/or physical damage coverage (depending upon coverage selection) for vehicles.
- Drive Other Car Coverage – Extends commercial policy liability to named individuals (usually executives) and their spouses while driving non-owned vehicles (e.g. rentals or borrowed cars) for personal use. For example, when a company executive uses a company car as their personal vehicle.
What Kinds of Vehicles Are Covered?
- All private passenger cars or vans used for retail or service use.
- Pickup trucks for service or retail use.
- All autos up to 26,000 GVW will be considered.
Other Types of Commercial Auto Insurance We Offer
Auto Dealers
Your inventory is the heartbeat of your business. Safeguard your dealership and your bottom line from unforeseen risks with coverage built to protect your vehicles and your professional reputation.
Garage Keepers Liability
When customers trust you with their vehicles, give them—and yourself—total peace of mind. Our liability solutions protect your repair shop from the risks of handling client property, so you can focus on the work under the hood.
General Liability
In a litigious world, consider this your professional safety net. We help you navigate the costs of lawsuits involving injury, property damage, or advertising claims, acting as a guardrail so one mistake doesn’t derail your future.
Property
Your workspace is your second home. Whether you own the building or the gear inside, Haulers offers comprehensive protection to ensure your physical assets are as resilient as your work ethic.
Ready to Hit the Road with the Right Coverage?
Ready to Hit the Road with the Right Coverage?
Now that you’ve seen why Haulers is a good choice for your commercial auto insurance needs, the next step is meeting with a local agent to answer any remaining questions and get your policy set up.
Commercial Auto Insurance FAQs
What does Commercial Auto Insurance cover?
Commercial auto insurance covers vehicles used for business and protects your company from financial loss, if a work vehicle is involved in an accident. At its core, it covers vehicle damage, injuries, and liability arising from business-related driving.
Who needs Commercial Auto Insurance?
Because personal auto policies usually exclude business use, anyone who uses a vehicle for business purposes should consult an insurance professional to determine whether commercial auto insurance is appropriate for their situation. It is also needed generally for any vehicles larger than 10,000 pounds GVW.
What vehicles qualify for this program?
Most light, medium, and heavy-duty vehicles with a GVW up to 26,000 pounds.
What happens if an employee gets into an accident in their personal vehicle?
Hired & Non‑Owned Auto Liability is the type of insurance you need to cover an employee who gets into an accident while driving their own vehicle for work. This coverage protects your business when employees use personal, rented, or borrowed vehicles for company tasks.
What's the difference between Hired Auto and Non-Owned Auto Coverage?
Hired Auto covers liability for accidents involving rented, leased, or borrowed vehicles. Non-Owned Auto covers liability for accidents involving employee-owned vehicles used for work.
Does Commercial Auto cover rented or leased vehicles?
If the Hired and Non-Owned Auto coverage is included in the policy, any rented or leased vehicles used by your business would be covered.
How do I get a Commercial Auto quote through Haulers?
Contact your local agent today!