Coverage Guide

Commercial Auto Insurance

Commercial auto insurance covers vehicles used for business purposes — work trucks, delivery vans, service vehicles, and company cars. Personal auto policies exclude business use, so any vehicle primarily used for business needs a commercial auto policy. Commercial auto is also relevant for businesses whose employees drive personal vehicles for work, through hired and non-owned auto coverage.

Commercial auto coverages

Commercial auto liability

Covers bodily injury and property damage caused by vehicles the business owns or operates. State minimum limits apply but most commercial policies carry $500K to $1M CSL.

Physical damage — comprehensive and collision

Covers damage to the insured vehicle from accidents (collision) and from non-collision events such as theft, fire, hail, and vandalism (comprehensive).

Hired auto liability

Covers vehicles the business rents, leases, or borrows for business use. Required any time employees rent cars for work travel.

Non-owned auto liability

Covers employees driving their personal vehicles for business purposes. Any business that asks employees to run errands or drive to client meetings needs this coverage.

Uninsured/underinsured motorist

Covers the business if one of its vehicles is hit by an uninsured or underinsured driver. Required in many states; recommended in all.

Who needs commercial auto

Any business that owns vehicles — contractors, delivery companies, landscapers, plumbers, HVAC technicians, caterers, healthcare transport, and others — needs commercial auto. Businesses without owned vehicles still need hired and non-owned auto if employees drive personal cars for work. This is one of the most commonly overlooked exposures in small commercial accounts.

ACORD forms required

ACORD 125Commercial Insurance Application — general business information ACORD 127Business Auto Section — vehicle schedule, driver list, coverage selections

How AgencyAssist speeds up commercial auto submissions

Commercial auto submissions require a complete vehicle schedule and driver list — data that involves every vehicle and every person who drives it. AgencyAssist collects the full vehicle schedule, driver information, and violation history through a plain-English intake link. The data is mapped directly to the ACORD 127 and generated alongside the ACORD 125, ready to submit.

Faster commercial auto submissions

Collect vehicle schedules and driver data through one intake link. ACORD 127 generated automatically.

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→ ACORD 127 — Business auto section guide → Commercial auto insurance — complete agent guide → Commercial umbrella insurance → Commercial general liability