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Coverage for Work Vehicles—Smart and Selective
Commercial auto insurance covers liability, physical damage, and medical costs for vehicles owned by your business or used for business activities. The line between personal and commercial use is often blurry—but critical. Advisors helps clarify those boundaries and ensures you're not left underinsured when your vehicles are on the road, doing business.
Get Clarity, Not Confusion
Vehicles not titled to the business or used part-time for work can cause coverage gaps. Advisors helps you get the right protection in place—including tools, equipment, and wrapped advertising—so business essentials don’t turn into losses. We also help you tailor coverages based on whether a vehicle is always on the clock or only occasionally used for business errands.
Mandatory Coverages
The core coverages needed to keep your business protected when you need it most.
Covers third-party injury or damage from your business vehicles.
Covers repairs or replacement from collision or comprehensive losses.
Covers vehicle-related medical expenses for drivers and passengers.
Optional Coverages
Additional elements of coverage policies that help ensure coverage is complete.
For situations where employees drive personal or rental vehicles on your behalf.
Tool coverage adds protection for items left in or on business vehicles.
Guards against damage or liability tied to graphic wraps or branding on your vehicle.
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
No. Coverage is restricted to business use only—anything outside that could be denied.
Yes, if it’s titled to the business or used for business purposes, it needs coverage.
Commercial auto insurance can pay to repair or replace your truck so operations aren’t disrupted — and it also covers injuries or property damage to others involved in the crash.
Insurance Pro Tips
Explore some of our small business clients and their successes.
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