If your business owns or operates vehicles—whether for deliveries, transportation, or service calls—commercial auto insurance is essential to protecting those assets and the people who use them.

 

At Infinity Insurance, we help business owners secure commercial auto coverage that protects against accidents, injuries, property damage, and operational disruptions that can put your company at financial risk.

 

How Much Commercial Auto Coverage Do You Need?

The right level of coverage depends on several factors, including how your vehicles are used, who is driving them, and how frequently they’re on the road. Commercial auto insurance is designed to protect:

• Your business
• Your drivers and employees
• Third parties and their property

 

Understanding your risk exposure is critical to choosing the right policy limits and coverages.

 

Driver Distraction & Commercial Vehicle Risk

Driver behavior plays a major role in commercial auto risk. Studies by the U.S. Department of Transportation have shown that non-driving activities are a major contributor to commercial vehicle accidents and near-miss incidents. This highlights the importance of both proper coverage and proactive driver safety practices when insuring business vehicles.

 

Vehicles Covered Under Commercial Auto Insurance

Commercial auto insurance applies to a wide range of business-owned or business-used vehicles, including:

• Company cars
• Cargo and delivery vans
• Pickup trucks
• SUVs
• Taxis and limousines
• Buses

 

Policies can also extend to personally owned vehicles used for business purposes, depending on how the policy is structured.

 

Insurers evaluate factors such as mileage, vehicle type, usage patterns, and safety programs when determining coverage needs and pricing.

Coverage for large trucks and heavy equipment is typically handled under a separate commercial truck insurance policy.

 

What Commercial Auto Insurance Typically Covers

Commercial auto policies are similar to personal auto insurance but are tailored specifically for business use. Coverage options may include:

• Bodily Injury Liability
  Covers medical expenses, legal costs, and potential settlements if you or an employee causes injury to others.
• Property Damage Liability
  Pays for damage caused to another person’s property, including vehicles and structures.
• Collision Coverage
  Covers damage to your business vehicles resulting from an accident.
• Comprehensive Coverage
  Protects against non-collision losses such as theft, vandalism, fire, or weather-related damage.
• Uninsured / Underinsured Motorist Coverage
  Helps cover injuries and damages if your driver is hit by a motorist with insufficient insurance.
• Medical Payments Coverage
  Covers medical and funeral expenses for drivers and passengers after an accident.

 

Optional & Enhanced Coverage Options

Depending on your business and insurer, additional coverage may be available, such as:

• Coverage for non-owned or hired vehicles
• Rental vehicle replacement
• Towing and roadside assistance
• Cargo loading and unloading liability

 

These options can help close coverage gaps and reduce unexpected out-of-pocket costs.

 

Personal Vehicles Used for Business: Are You Covered?

Many small business owners and employees use personal vehicles for work-related tasks without realizing that personal auto insurance may exclude business use.

 

If an employee uses their own vehicle for business errands and an accident occurs, your business could be exposed to uncovered losses without the proper commercial auto policy in place.

 

Even occasional business use of personal vehicles should be addressed to prevent serious financial consequences.

 

How Infinity Insurance Helps

At Infinity Insurance, we take a consultative approach to commercial auto coverage. We get to know your business, your drivers, and how your vehicles are used to ensure accurate coverage—not guesswork.

 

We’ll ask questions such as:

• How many vehicles does your business operate?
• What are the vehicles used for (transporting people, goods, materials, etc.)?
• How many miles are driven annually?
• How many drivers do you have, and what is their experience level?
• Have drivers completed any safety or defensive driving programs?

 

Our goal is to identify appropriate coverage, uncover potential discounts, and ensure your policy is both comprehensive and competitively priced.

 

Get Started Today

If you’re shopping for commercial auto insurance—or want a second opinion on your current policy—Infinity Insurance will provide a straightforward assessment of your options.

 

Call our office or complete the form below to begin your commercial auto insurance review.