Business auto liability
Review limits for covered injuries and damage arising from business vehicle use.
Commercial auto insurance for your work vehicles.
One work truck or a growing fleet. Let’s review your vehicles, drivers, operations, and contract requirements before comparing commercial auto coverage.
Understand your options
Match the policy to how you use the vehicle.
A contractor’s pickup, a delivery van, and a passenger vehicle used for business can create different coverage needs. Tell us how each vehicle is used so we can approach appropriate carriers.
The coverage pictureO / I
01Your vehicles+
List the vehicles, who owns them, and their actual use. A personal policy may not fit the work being done.
02Your operations+
Describe deliveries, job sites, operating radius, and any contracts. These details help the agency explore suitable options.
03Your team+
Provide the drivers who use the vehicles. Eligibility and coverage depend on the insurer and policy terms.
Choose a topic to see how it fits.
Physical damage
Compare available comprehensive and collision options for the vehicles on the policy.
Hired & non-owned auto
Ask about business liability involving rented vehicles or employees’ personal vehicles used for work.
Specialized operations
Delivery, for-hire, NEMT, food trucks, and other uses require a carrier-specific review. Availability varies.
What commercial auto insurance can cover
Business vehicle use needs a careful policy review. Describe deliveries, passengers, tools, employee driving, and other work use before a quote is prepared. Coverage and exclusions vary by policy.
Available options may include liability and physical damage, with hired and non-owned auto liability considered when appropriate. Review the proposal to understand who is insured, which vehicles qualify, and the applicable limits and deductibles.
Vehicles and operations we review
Work pickups and vans
Contractor pickups and vans may need commercial auto alongside separate tools, equipment, or general-liability coverage.
Small fleets
Provide a vehicle schedule, drivers, garaging locations, use, and loss history for a fleet submission.
For-hire and delivery vehicles
Disclose delivery, courier, rideshare, and other for-hire use. Acceptance and coverage depend on the carrier and the actual operation.
Specialty vehicles
NEMT, food trucks, and mobile-service operations may need additional information, coverage, and filings. Availability depends on underwriting.
Contracts, certificates, and required filings
Share contracts and insurance requirements before selecting a policy. A certificate of insurance is evidence of coverage; it does not replace or change the policy itself.
If your operation has federal or state financial-responsibility filing requirements, provide the relevant authority and paperwork. Applicability depends on the operation. We can discuss carrier availability and coordinate eligible filings; confirm regulatory requirements with the responsible agency.
Comparing commercial auto quotes
Use the same vehicle schedule, drivers, use, limits, and deductibles for each quote. Review exclusions, any filing charges, payment terms, and required documents before purchase.
A quote request or certificate request does not bind coverage. Confirm the effective date and completed requirements with the broker and insurer.
A useful starting point
What to have ready.
Bring what you have. If something is missing, we can explain what’s needed next.
- Business name and description of operations
- Vehicle schedule, VINs, and garaging addresses
- Driver information and driving records
- Travel radius, cargo, and any for-hire use
- Contracts, certificates, and filing requirements
Prefer to talk it through? Our team can help you get started.
See the bigger picture
Explore related coverage.
Your next step
Compare your coverage options.
A conversation with our Downey team can help you make sense of your coverage options. English, Spanish, and Arabic service available.