Commercial Auto

Commercial Auto

Commercial Auto

Learn what Commercial Auto protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

Learn what Commercial Auto protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

Learn what Commercial Auto protects and why your business needs it. Ready for a quote? We'll help you understand your coverage options quickly and simply.

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What Is Commercial Auto?

Commercial Auto is insurance for vehicles used for business. It helps cover liability and physical damage from accidents, plus related costs like medical payments, uninsured drivers, and hired or non-owned autos, depending on your policy.

What Does Commercial Auto Cover?

It can cover injuries and property damage you cause with a work vehicle, damage to your own vehicles, theft or vandalism, and certain claims tied to rented cars or employee-driven vehicles used for work.

Your driver rear-ends a car on a client visit

A salesperson hits another vehicle in traffic and the other driver claims injuries. Commercial Auto can help pay for legal defense and covered damages, up to your liability limits.
A salesperson hits another vehicle in traffic and the other driver claims injuries. Commercial Auto can help pay for legal defense and covered damages, up to your liability limits.

A work truck is stolen overnight

A contractor’s pickup disappears from a jobsite parking lot. With comprehensive coverage, the policy may help pay to replace the vehicle or cover a covered theft loss.
A contractor’s pickup disappears from a jobsite parking lot. With comprehensive coverage, the policy may help pay to replace the vehicle or cover a covered theft loss.

An employee uses their own car for deliveries

A staff member runs a same-day delivery in their personal vehicle and causes a crash. Hired and non-owned auto coverage can help protect the business if it gets pulled into the claim.
A staff member runs a same-day delivery in their personal vehicle and causes a crash. Hired and non-owned auto coverage can help protect the business if it gets pulled into the claim.

Key Features of Commercial Auto

Liability built for business use

Covers bodily injury and property damage claims arising from business driving, with limits that can be higher and structured differently than a personal auto policy.

Options for your vehicles and your budget

Choose coverages like collision and comprehensive for owned vehicles, then fine-tune deductibles and limits to match how critical each vehicle is to operations.

Protection beyond the vehicles you own

Add-ons like hired and non-owned auto, uninsured or underinsured motorist, and medical payments can address common gaps when work happens on the road.

Commercial Auto Made Simple

Everything you need to know about this coverage, from basic definitions to real-world application scenarios.

Do I need Commercial Auto if I only drive occasionally for work?

If a vehicle is used for business errands, client meetings, deliveries, or transporting tools, a personal auto policy may not respond the way you expect. Commercial Auto is designed for business use and can help protect the company when a work-related trip leads to a claim. The right setup depends on who owns the vehicle and how it is used.

What is the difference between owned, hired, and non-owned autos?

Does Commercial Auto cover the tools or equipment inside the vehicle?

Who is covered to drive a commercial vehicle?

What limits should a California business consider for Commercial Auto?

Can Commercial Auto help if the other driver has no insurance?

Do I need Commercial Auto if I only drive occasionally for work?

If a vehicle is used for business errands, client meetings, deliveries, or transporting tools, a personal auto policy may not respond the way you expect. Commercial Auto is designed for business use and can help protect the company when a work-related trip leads to a claim. The right setup depends on who owns the vehicle and how it is used.

What is the difference between owned, hired, and non-owned autos?

Does Commercial Auto cover the tools or equipment inside the vehicle?

Who is covered to drive a commercial vehicle?

What limits should a California business consider for Commercial Auto?

Can Commercial Auto help if the other driver has no insurance?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.