Coverage for the Road Ahead
Whether you use a single work truck or manage a fleet of vehicles, commercial auto insurance protects your business when your vehicles are on the move. It’s essential for companies that drive to job sites, make deliveries, or transport people or equipment. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
What Does Commercial Auto Insurance Cover?
This policy helps cover liability, physical damage, and medical expenses if your business vehicle is involved in an accident. It may also cover theft, vandalism, and uninsured motorists. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why Businesses Depend on It
Personal auto insurance doesn’t cover business use. If you’re using a vehicle for work, you need a commercial policy to avoid costly gaps.
Key Coverage Options
Bodily Injury & Property Damage Liability
Covers damages and injuries you’re responsible for in an accident.
Collision & Comprehensive
Pays for damage to your business vehicle—whether it’s a crash or hailstorm.
Hired & Non-Owned Auto Coverage
Protects vehicles you borrow or rent for business use.
Commercial Auto FAQs
Is commercial auto insurance required in Illinois?
Yes, if you operate business vehicles, you need a commercial policy to meet state liability minimums.
Can I use personal insurance instead?
No. Personal policies typically exclude business use. You risk denial if you don’t disclose commercial use.
Do I need it for one vehicle?
Yes. Even a single car used for business activities should be insured properly.
What about trailers or equipment haulers?
We can include trailers, attached tools, and specialty vehicles as part of your policy.