Commercial Auto Insurance Coverage

What does commercial auto insurance cover?

Commercial auto insurance covers a variety of claims involving your business vehicles. It typically includes liability protection for other people and property, as well as coverages for you, your passengers, and your vehicle. Additional options are available depending on your business’s risks and contractual requirements.

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Common commercial auto coverages

There are several primary commercial auto coverages that small business owners can get to protect from accidents involving their work vehicles. These coverages work like those on personal auto policies but offer higher limit options that are suitable for businesses.


Uninsured/underinsured motorist

Medical payments



Additional commercial auto coverages

Some businesses opt for additional commercial auto coverages depending on their vehicle use and preferences. These coverages can offer more protection and support against specific risks.

Roadside assistance

Hired auto

Non-owned auto

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Commercial auto coverage requirements by state

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Commercial auto coverages for trucks and tow trucks

Trucks and tow trucks share many of the same coverages as other commercial autos. However, there are also specific protections for these vehicles.

Coverages for trucks include:

Tow truck insurance options are:

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