What Is Commercial Auto?
Commercial Auto insurance is designed for vehicles that are owned, leased, or regularly used by your business — think company trucks, vans, or a small delivery fleet. A personal auto policy generally excludes business use, so any vehicle regularly used for deliveries, client visits, or hauling equipment typically needs its own commercial policy.
Who Needs It
Any business that owns vehicles, makes deliveries, or sends employees to job sites or client locations in a company vehicle should carry commercial auto coverage. Businesses whose employees use personal vehicles for work errands often need a hired and non-owned auto endorsement as well.
Real-Life Claim Scenarios
Delivery Van Collision
A company delivery van is involved in an accident while making a delivery, causing damage to another vehicle. Commercial auto liability may help cover the resulting claim, subject to policy limits.
Company Truck Damaged in a Parking Lot
A company truck is hit while parked outside a job site. Physical damage coverage may help pay for repairs, subject to your deductible.
Employee Injured in a Company Vehicle
An employee riding in a company vehicle is injured in a collision caused by another driver. Medical payments coverage may help with initial treatment costs regardless of fault.
Hit by an Uninsured Driver
A company vehicle is struck by a driver who has no insurance. Uninsured/underinsured motorist coverage may help cover the resulting damages.
Employee Uses Personal Car for a Delivery
An employee uses their personal vehicle to drop off materials at a client site and causes an accident. A hired and non-owned auto endorsement may help extend liability protection to this situation.
What It May Help Cover
- Liability for accidents involving company-owned vehicles
- Physical damage to company vehicles, including collision and comprehensive
- Uninsured and underinsured motorist protection
- Medical payments for occupants of company vehicles
- Hired and non-owned auto liability for vehicles not owned by the business
Coverage Limitations
Personal auto policies generally exclude regular business use, and commercial auto policies typically exclude purely personal driving. Coverage, limits, and available endorsements vary by state and vehicle use and are subject to underwriting approval.
Industries That Commonly Need This Coverage
What You'll Need for a Quote
- Vehicle year, make, model, and VIN for each unit
- Primary use of each vehicle (delivery, hauling, passenger transport)
- Radius of operation and typical driving area
- Driver list with license numbers and driving history
- Desired liability and physical damage limits
- Prior auto claims history
Upload Insurance Requirements for Review
Have a certificate request, lease clause, client contract, or vendor requirement tied to commercial auto? Upload the document and a Casurance specialist can review the requested limits, wording, and additional insured language.
Frequently Asked Questions
Related Coverages
Get a Commercial Auto Quote
Tell us about your business and a Casurance specialist can help you review Travelers commercial auto options, subject to underwriting approval and coverage availability in your state.
Coverage described on this page may help address certain risks common to this coverage line, subject to policy terms, conditions, exclusions, and underwriting approval. Coverage availability, limits, and pricing vary by state and are not guaranteed. This page is for informational purposes only and is not an offer of coverage or legal advice.
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