Commercial Auto Insurance

Commercial auto insurance exists to protect the assets of your business from being seized in the event of an accident involving a company car. A commercial auto insurance policy provides insurance against physical damage and personal liability for accidents or injuries that occur in the day to day use of company cars, vans, buses, trailers or trucks.

A commercial policy is required to cover each person who operates a vehicle during the course of doing business. There are minimum commercial auto insurance policy requirements as well as optional features which you can add on if they suit your business needs. The following is a brief summary of the most common types of commercial auto insurance. After you have reviewed them, you should have a better idea of what you need to do to provide the best possible coverage for your business.

If you or an employee damages another person or company’s property while operating a company vehicle, a property damage policy will cover the damages. It will also pay for legal fees if you are sued for damages.


If one of your company vehicles is damaged in a crash, collision coverage will cover the cost of repair, regardless of who is at fault.

In addition to damage caused by a fire or a financial loss due to theft, a fire and theft policy also provides coverage for damage caused by animals, extreme weather conditions and complete wreckage of the vehicle.

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