Commercial P&C

Commercial Auto Insurance

If your business uses vehicles (owned, leased, or employee-owned) for work purposes, personal auto policies won't protect you. Commercial auto coverage closes that gap and keeps your business moving.

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A Common and Costly Coverage Gap

Why personal auto policies leave your business exposed

Personal auto insurance explicitly excludes business use in most cases. If one of your employees drives their personal vehicle to a client site and causes an accident, their personal insurer may deny the claim, and your business could be held liable without any commercial coverage in place.

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This is one of the most common gaps we find in small business coverage reviews.

Many business owners assume their employees' personal auto coverage handles work-related driving. It typically doesn't, and the business bears the liability when it doesn't.

Commercial Auto coverage types

Bodily Injury & Property Damage LiabilityCovers damage and injury you cause to others. Required by Texas law for all commercial vehicles on the road
CollisionRepairs or replaces your vehicle after a collision, regardless of fault
ComprehensiveCovers non-collision losses including fire, theft, hail, weather, and animals
Hired AutoCovers vehicles your business rents or leases for business use
Non-Owned Auto (HNOA)Covers liability when employees use their personal vehicles for business purposes. Essential for any business without company-owned vehicles
Uninsured/Underinsured MotoristProtects your drivers and vehicles when the other driver has no or insufficient coverage

Fleet vs. individually scheduled vehicles

For businesses with a small number of company vehicles, each vehicle is typically listed individually on the policy with its own coverage specifications. As the fleet grows, generally above 5–10 vehicles depending on the carrier, a fleet policy becomes available, which provides blanket coverage and simplified administration. We'll tell you when fleet rating makes sense for your situation.

Do you need commercial auto?

  • Your business owns or leases vehicles
  • Employees drive for work (even their own vehicles)
  • You or employees make deliveries or site visits
  • Contractors use trucks to haul tools or materials
  • You transport clients or customers

Get a commercial auto review

Tell us about your vehicles and how your team uses them. We'll structure the right coverage.

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Does your business have hired and non-owned auto coverage?

If any employee ever drives their personal vehicle for your business, you may have a gap. Let us take a look.

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Coverage descriptions on this page are general in nature and for educational purposes only. Actual policy language governs all claims. All coverages are subject to policy terms and conditions.