Commercial Auto Insurance

Secure the business auto insurance coverage you need for your vehicles quickly and efficiently.
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Protect Your Commercial Vehicles

Being aware of what type of insurance a business needs is important, and deciding whether your business even requires a commercial auto insurance quote for a policy can be challenging. We can help you assess your needs and evaluate your options when it comes to insurance for commercial vehicles.
What is Commercial Auto Insurance?
Commercial auto liability insurance refers to vehicles used in conducting business, as opposed to those strictly for personal use. They are typically insured under a commercial auto insurance policy, which protects the assets of a company from claims. A commercial auto insurance policy has different coverages that are designed to address particular business needs.

What Vehicles are Covered by Small Business Car Insurance?

Small business auto insurance protects a wide range of vehicle types. Just about any kind of vehicle you drive or trailer you pull can be covered, including:
  • Cars
  • Limousines
  • Pickup trucks
  • Buses
  • Food trucks
  • Motorhomes
  • Truck tractors
  • Motorcycles
  • Emergency vehicles
  • Delivery/cargo vans
  • Tow trucks
  • Passenger vans
  • Box trucks
  • Flatbed trucks
  • Dump trucks
  • Dry van trailers
  • Refrigerated trailers

What Does Commercial Auto Insurance Cover?

  • Bodily Injury Liability Coverage
Business auto insurance coverage provides payment in cases of bodily injury or death resulting from an accident for which you are at fault. This may also include legal defense expenses depending on the type of business car insurance policy purchased.
  • Property Damage Liability Coverage
If your vehicle accidentally causes damage to another person’s vehicle or property, insurance for commercial vehicles can protect you. That can include legal defense expenses depending on the type of policy purchased.
  • Property Damage Liability Coverage
Any company that uses vehicles should have small business auto insurance to protect them, especially if they are registered to your business or you are in the for-hire transportation industry. We provide coverage for these kinds of businesses and many others:
  • Bodily Injury Liability Coverage
Any company that uses vehicles should have small business auto insurance to protect them, especially if they are registered to your business or you are in the for-hire transportation industry. We provide coverage for these kinds of businesses and many others:
  • Property Damage Liability Coverage
Any company that uses vehicles should have small business auto insurance to protect them, especially if they are registered to your business or you are in the for-hire transportation industry. We provide coverage for these kinds of businesses and many others:
  • Property Damage Liability Coverage
Any company that uses vehicles should have small business auto insurance to protect them, especially if they are registered to your business or you are in the for-hire transportation industry. We provide coverage for these kinds of businesses and many others:

Who Should Consider Small Business Auto Insurance?

Any company that uses vehicles should have small business auto insurance to protect them, especially if they are registered to your business or you are in the for-hire transportation industry. We provide coverage for these kinds of businesses and many others:
  • Accountants
  • Architects and engineers
  • Bakeries
  • Business management consultants
  • Cleaning and janitorial companies
  • Contractors
  • Corporate trainers
  • Dog walkers and pet sitters
  • Electricians
  • Food service companies
  • Home inspectors
  • IT consultants
  • Landlords
  • Landscape companies
  • Personal trainers
  • Photographers and videographers
  • Restaurants
  • Retail businesses
  • Transportation companies
  • Trucking companies for hire
  • Wholesalers

Why Does Your Company Need Small Business Car Insurance?

Any company that uses vehicles should have small business auto insurance to protect them, especially if they are registered to your business or you are in the for-hire transportation industry. We provide coverage for these kinds of businesses and many others:

Find your insurance coverage options.

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What is the Difference Between Commercial and Personal Auto Insurance?

Both commercial vehicle insurance policies and personal auto policies provide coverage for liability, collision, comprehensive, medical payments (or personal injury protection), and uninsured motorist exposures (sometimes underinsured motorist, too). However, a commercial auto insurance policy may be very different from your personal auto policy due to separate eligibility criteria, definitions, coverages, exclusions, and limits.

Why freedmansinsurance for Commercial Auto Insurance?

We’re the experts when it comes to insuring small businesses.
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Save time.

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
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Save money.

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
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Experienced.

We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.

What’s not Covered by Small Business Auto Insurance?

Small business auto insurance provides valuable financial protection and peace of mind in many ways. However, there are certain types of incidents that aren’t covered by your business car insurance policy. Some of these exclusions are:
  • Intended or expected property damage or injuries
Property damage or bodily injuries that you cause intentionally or might reasonably expect to occur as a result of your actions are not covered.
  • Racing
Damage or injuries caused by racing are excluded from coverage.
  • Mobile equipment operation
Liability associated with the use of mobile equipment like a forklift or crane is not covered.
  • Injuries covered under workers' compensation
Injuries addressed by a workers’ comp policy are not covered by commercial auto insurance.
  • Hired and non-owned vehicles
Only vehicles listed on the policy are covered. Temporary rental vehicles are covered if your listed vehicle is being repaired, serviced, or suffered a total loss. If you get a replacement vehicle for a vehicle that is listed on the policy, you have 30 days from when you buy it to replace it on our policy. Other vehicles that you may rent or use are not covered by this policy. For example, employee-owned vehicles or borrowed vehicles are not covered, but hired/non-owned coverage can be added to a general liability policy or business owners policy (BOP) to cover those vehicles.
s a partial list of exclusions. Our insurance experts can provide more details.

How Much is Commercial Auto Insurance?

Multiple factors go into determining the commercial auto insurance cost for your business. However, our direct-to-you model enables us to provide coverage at up to 20% less than other companies. The best way to know expected business car insurance costs is to get a fast, easy, online quote.
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Commercial Auto Insurance FAQs

Our commercial auto liability insurance experts are always happy to talk with you, but you can also get answers to commonly asked commercial auto insurance questions below.

Get a Commercial Auto Insurance Quote

Find out how affordable commercial auto insurance can be and learn more about business car insurance costs with biBERK today.
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