Commercial Auto Insurance

Business Vehicles Need Business Insurance.

Whether your business owns one vehicle or operates a small fleet, commercial auto insurance can protect the vehicles, drivers and liability exposures created by business use. Briteline can compare available commercial auto markets based on how your vehicles are actually used.

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What Can Commercial Auto Insurance Protect?

Commercial auto policies can combine liability and physical-damage protection around vehicles used in your business.

Auto Liability

Helps protect the business when an insured driver is legally responsible for covered bodily injury or property damage caused by a business auto accident.

Collision

Helps pay for covered physical damage to an insured business vehicle after a collision, subject to the deductible and policy terms.

Comprehensive

Helps protect against certain non-collision losses such as theft, vandalism, fire, hail and other covered causes of physical damage.

Uninsured Motorist

Depending on the policy and jurisdiction, uninsured or underinsured-motorist protection may help address covered injuries involving drivers without sufficient insurance.

Personal Auto Isn't Designed for Every Business Use.

A vehicle titled to a business, regularly used by employees, used to carry tools or goods, make deliveries, visit job sites, or perform other commercial operations can require commercial auto insurance.

The right answer depends on ownership, vehicle type, driver use and the actual business activity.

Important

Tell Us Exactly How the Vehicle Is Used.

Delivery work, rideshare, hauling, towing, job-site use and transporting people can materially change eligibility and coverage. The policy should reflect the real exposure rather than a simplified description of the business.

Commercial Auto Coverages Worth Reviewing

Coverage availability depends on the carrier, vehicles and operations, but these are some of the important areas to review.

Hired Auto Liability

May provide liability protection for certain vehicles the business rents, hires or borrows for qualifying business use.

Non-Owned Auto Liability

Can address certain business liability exposures created when employees use their own vehicles for qualifying business purposes.

Rental Reimbursement

Depending on the policy, coverage may help with rental expenses while an insured business vehicle is being repaired after a qualifying covered loss.

Towing & Roadside

Commercial roadside and towing options may be available for qualifying vehicles, subject to carrier and vehicle type.

Additional Insured / Lessor Interests

Leases, finance agreements or contracts may require specific parties to be shown on the commercial auto policy in a particular capacity.

Higher Liability Limits

Higher commercial auto limits can provide greater financial protection and may also support a commercial umbrella or excess liability program.

Different Vehicles Create Different Risks.

Vehicle type, radius of operation, gross vehicle weight, ownership, driver history and business use can all affect commercial auto underwriting.

Passenger Cars & SUVs

Company-owned cars used for sales, management, service calls and other business purposes may require commercial auto coverage.

Pickup Trucks

Contractors and service businesses often use pickups for tools, materials and job-site transportation.

Cargo & Service Vans

Vans used for deliveries, equipment or service operations create distinct commercial exposures.

Light Trucks

Box trucks and other qualifying commercial vehicles may need specialized underwriting based on size, use and operating radius.

Fleets

Businesses with multiple vehicles may have fleet options depending on vehicle count, drivers and carrier eligibility.

Specialized Operations

Delivery, courier, towing, passenger transport and other specialized uses can require different carriers or policy structures.

Why Businesses Work With Briteline

Commercial auto appetite can vary sharply between carriers, especially when vehicle use becomes more specialized.

Multiple Commercial Markets

Briteline can compare available carriers rather than limiting your business to one company's pricing and underwriting appetite.

Use Matters

We review how vehicles are owned, driven and used so the quote is built around the actual business exposure.

Coordinate the Whole Program

Commercial auto can be coordinated with general liability, workers compensation, property and commercial umbrella coverage.

Commercial Auto Insurance FAQ

When does a business need commercial auto insurance?

Commercial auto may be appropriate when vehicles are owned by the business, regularly used for business operations, driven by employees or used in ways that exceed the intended scope of a personal auto policy. The specific facts matter.

Can a personally owned vehicle be used for business?

Sometimes, but the type and frequency of business use matter. Certain business activities can be permitted under some personal policies, while other uses may be excluded or require commercial coverage. The actual use should be disclosed before relying on a personal policy.

What is hired and non-owned auto coverage?

Hired and non-owned auto liability can provide certain business liability protection involving vehicles the business rents or vehicles owned by others, including employee-owned vehicles used for qualifying business purposes. It generally does not replace a commercial auto policy for vehicles owned by the business.

Does commercial auto cover tools or equipment inside the vehicle?

Not necessarily. Tools, equipment and other business property carried in a vehicle may require inland marine, business personal property or other commercial property coverage rather than relying on the auto policy.

Can commercial auto cover delivery driving?

Potentially, but delivery operations can have specialized underwriting requirements and not every commercial auto carrier accepts every type of delivery exposure. The type of goods, vehicle, radius and platform or contract arrangement can matter.

Can I put multiple business vehicles on one policy?

Yes. Many commercial auto policies can insure multiple eligible vehicles, and fleet options may be available depending on the number and type of vehicles and carrier requirements.

Can commercial auto be covered by a business umbrella?

Potentially. Commercial umbrella or excess liability coverage may sit over qualifying commercial auto liability limits, subject to the umbrella carrier's underlying-limit and eligibility requirements.

If the Vehicle Works for the Business, Insure It Like It Does.

Tell Briteline what your vehicles are, who drives them and how they're used. We'll compare available commercial auto markets and help structure coverage around your actual operations.