Business & Commercial Auto InsuranceCommercial Auto Insurance for Business Vehicles, Work Trucks & Vans
Vehicles owned, leased, or used by a business face exposures that personal auto policies typically exclude. InsurixPro helps contractors, service businesses, and commercial operators structure business auto coverage.
Requesting a quote is free and does not bind coverage. All policies are subject to carrier underwriting and state availability.
Multi-Carrier Shop
Compare multiple US insurance carriers from one single online application.
Fast COI & Filings
Prompt certificates of insurance (COI), BMC-91 & SR-22 filing support.
New Authorities Welcome
Dedicated programs for new USDOT/MC numbers, box trucks & owner-operators.
Licensed Independent Advice
Transparent coverage comparisons with zero obligation to buy.
Coverage Options
Core coverages evaluated for Business & Commercial Auto Insurance
Coverage limits, deductibles, and endorsements are structured around your equipment, contracts, and operating authority:
- Bodily Injury & Property Damage Liability (Combined Single Limit or Split Limits)
- Comprehensive & Collision coverage for owned, financed, or leased business vehicles
- Uninsured / Underinsured Motorist and Medical Payments / PIP (where applicable by state)
- Hired & Non-Owned Auto (HNOA) liability for employee or rented vehicle use
Intended Customer Profile
Who this insurance program helps
- Contractors, HVAC, plumbing, electrical, roofing, and construction businesses
- Landscaping, pest control, janitorial, and mobile repair companies
- Local delivery, catering, and wholesale distribution operations
- Businesses with employee-driven pickups, utility trucks, cargo vans, or company cars
Key Operational Risks Addressed
- • At-fault accidents involving employees driving between job sites or customer locations
- • Weather, theft, or job-site collision damage to work trucks and utility trailers
- • Liability claims arising when an employee uses a personal vehicle for a business errand
- • Job-site access delays when a general contractor or municipality requests a COI
What influences your premium
Insurance premiums are determined by carrier underwriting rather than flat rates. Key rating variables include:
- Industry classification, vehicle body type, weight, and garaging location
- Number of vehicles and drivers, driver ages, and MVR violation/accident history
- Radius of operation, annual mileage, and prior commercial auto insurance history
- Selected liability limits, physical damage deductibles, and optional endorsements
Underwriting considerations
- Business entity or sole proprietorship details and description of commercial operations
- Complete list of permitted drivers with valid licenses and MVR review
- Vehicle registration, title/usage alignment, and garaging address verification
Common exclusions & terms to verify
- Commercial auto policies cover the vehicle itself and auto liability, but generally do not cover permanently portable contractor tools or customer property unless endorsed or covered under Inland Marine / Cargo
- Employee work-related injuries are typically governed by Workers Compensation rather than commercial auto liability
What to have ready for an accurate quote
- Business name, entity structure, physical address, and nature of operations
- VIN, year, make, model, stated value, and lienholder info for each vehicle and trailer
- Full name, date of birth, and driver license number for every driver
- Current insurance declarations page if currently insured
Explore Related Commercial Trucking & Auto Programs
Frequently asked questions
Helpful answers before you begin.
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