Business vehicles and fleets

Commercial auto insurance for work trucks, vans, and cars

If your business owns or uses vehicles, a personal auto policy is usually not enough. Kaufman Insurance Group compares commercial auto insurance from multiple companies for everything from a single pickup to a fleet of vans and trucks.

Get a Quote Call (330) 486-8404

Coverage for one work vehicle or multiple
Options for employees who drive their own cars for work
Certificates of insurance for customers and contracts

Personal & Commercial · Quick Quotes – Good Rates · Great Companies

As an independent agency, we compare commercial auto insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.

These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.

The basics

What commercial auto insurance is

Commercial auto insurance is coverage for vehicles used for business. It helps pay if one of your vehicles causes an accident that injures someone or damages property, and it can also cover damage to your own vehicles.

Personal auto policies often exclude or limit coverage when a vehicle is used for business, such as hauling tools and equipment, making deliveries, carrying clients, or being driven by employees. If an accident happens during business use and the vehicle is on a personal policy, the claim could be denied.

Commercial auto policies are built for business use. They can cover vehicles titled to your company or to you, list employees as drivers, and carry higher liability limits that many customers and contracts require.

Owned vehicles

Pickups, vans, box trucks, and cars that your business owns or leases.

Hired and non-owned vehicles

Rented vehicles and employees’ personal cars used for business errands.

See hired and non-owned auto

Know what you are choosing

What commercial auto insurance typically includes

Coverage is built around your vehicles and how you use them. These are the main parts of most policies.

Liability

Helps pay for injuries and property damage your vehicles or drivers cause to others, including legal defense.

Physical damage

Collision and comprehensive coverage to repair or replace your vehicles after a crash, theft, fire, or storm.

Uninsured motorist

Helps if your driver is hurt by a driver with little or no insurance, where the coverage applies.

Medical payments

Helps with medical costs for your driver and passengers after an accident, depending on the policy.

Hired and non-owned auto

Liability protection when employees use their own cars or rented vehicles for business.

Tools and equipment

Options for tools, equipment, or cargo carried in your vehicles, usually through an added coverage or separate policy.

Is it right for you

Who needs commercial auto insurance

If a vehicle is titled to your business, used mainly for work, or driven by employees, you likely need commercial auto coverage.

Contractors and trades

Plumbers, electricians, HVAC techs, roofers, landscapers, and handymen driving to job sites.

Delivery and service businesses

Businesses that deliver products or send technicians to customers.

Growing fleets

Companies running multiple vehicles and drivers can look at a fleet policy.

Explore fleet insurance

Businesses with employee drivers

Employees who run errands in their own cars can create liability for your business.

Using a personal auto policy for a work truck? An agent can check if you are covered.

Get a Quote Call (330) 486-8404

How Kaufman helps

How we help you insure business vehicles

We are an independent agency, so we can compare commercial auto options from multiple companies instead of offering just one.

Share vehicle and driver details

Send a list of vehicles, drivers, how the vehicles are used, and how far they travel.

We compare companies

An agent reviews options from the companies we work with and explains limits, deductibles, and filings.

Choose and get certificates

Pick your coverage. We can issue certificates of insurance to your customers when you need them.

We focus on Ohio and North Carolina, and we can also help businesses in most other states. Beyond the companies we work with directly, we can also shop many other commercial insurance companies through wholesale partners. For higher liability limits, see commercial umbrella insurance. If you haul freight for hire, see our pages on owner-operator trucking insurance and hotshot trucking insurance.

Employees driving for work

Hired and non-owned auto coverage

Your business can be held responsible for an accident even when it does not own the vehicle. If an employee crashes their own car while running a work errand, or a rented vehicle is in an accident on a business trip, the injured person may look to your business.

Hired and non-owned auto coverage, often called HNOA, is liability coverage for those situations. It can be added to a commercial auto policy, and some companies offer it with a general liability or business owners policy. It is useful for businesses with no company vehicles at all, too.

Hired autos

Vehicles your business rents, leases for a short time, or borrows for business use.

Non-owned autos

Employees’ own cars used for business, such as trips to the bank, the post office, or a client meeting.

What it usually does not cover

Damage to the rented or employee-owned vehicle itself, and the employee’s own personal liability. The employee’s personal auto policy still comes first for their car.

Multiple vehicles

Running a fleet of work vehicles?

When your business runs a group of vehicles and drivers, the insurance company looks at the whole operation, including your driver list, vehicle types, safety practices, and claims history. A fleet policy keeps everything on one commercial auto policy and makes it easier to add and remove vehicles.

Learn how it works on our fleet insurance page.

Common questions

Commercial auto insurance questions

Can I use my personal auto policy for my work truck?

Personal auto policies often exclude or limit business use, such as hauling equipment or employee drivers. If the vehicle is used mainly for work or titled to your business, commercial auto coverage is usually the right fit.

What is hired and non-owned auto coverage?

It is liability coverage for your business when employees drive their own cars or rented vehicles for work. It generally does not cover damage to those vehicles.

Do my employees need to be listed on the policy?

Most companies want to know who will drive your vehicles. Driving records affect eligibility and price, so share the details up front.

How are commercial auto prices set?

Vehicle types, drivers and their records, how far and where vehicles travel, what they carry, your claims history, and the limits you choose all affect the price.

Can you send certificates of insurance to my customers?

Yes. Once your policy is in place, we can issue certificates showing your coverage to customers and general contractors.

Related coverage

Owner-operator trucking insurance

Coverage for independent truckers leased on or running their own authority.

Explore owner-operator insurance

Hotshot trucking insurance

Coverage for pickup and trailer hotshot haulers.

Explore hotshot insurance

General liability insurance

Protection if your business is blamed for injuring someone or damaging their property.

Explore general liability

Fleet insurance

Coverage for businesses that run multiple trucks, vans, or cars.