Whether your business operates a full fleet or relies on a single commercial vehicle, business auto insurance is essential. It provides an added layer of protection beyond a personal auto policy—designed specifically for the increased risks businesses face.

When a business-owned vehicle is involved in an accident, the consequences can be more complex and costly. Business auto insurance combines the core elements of personal auto coverage with enhanced protections tailored to commercial use.

What Does Business Auto Insurance Cover?

A business auto policy may include coverage for:

• Bodily Injury Liability
  Helps cover injuries to others caused by a covered vehicle.
• Property Damage Liability
  Protects your business if a vehicle damages another person’s property.
• Collision Coverage
  Pays for damage to your business vehicles regardless of who is at fault—often required for leased or financed vehicles.
• Comprehensive (Named Perils) Coverage
  Covers damage caused by theft, fire, vandalism, weather events, and other covered risks.
• Higher Liability Limits
  Business auto insurance typically offers higher liability limits than personal auto policies, reflecting the greater assets and exposure businesses carry.

Why Businesses Need Higher Liability Coverage

Unlike personal auto insurance, business auto policies are designed to protect companies with greater financial exposure. Higher liability limits help safeguard your business assets if a serious accident leads to lawsuits or significant claims.

Do Your Employees Use Their Own Vehicles for Work?

If employees drive their personal vehicles for business-related purposes—such as deliveries, client visits, or errands—your business may still be held liable in the event of an accident.

Non-Owned Auto Liability Coverage

This coverage helps protect your business when employees use their own vehicles for work. It may help reduce the risk of legal and financial complications if an accident occurs during business operations.

Non-owned auto liability coverage is often added to a business auto policy or purchased as a separate endorsement, depending on your needs.

Who Needs Business Auto Insurance?

Business auto insurance is essential for:

• Companies that own or lease vehicles
• Businesses with employee drivers
• Contractors and service professionals
• Businesses with deliveries or transportation needs
• Any business exposed to vehicle-related liability

Get the Right Coverage for Your Business

Every business is different. The right business auto policy depends on how your vehicles are used, who drives them, and the level of risk your business faces.