Protect Your Business with Commercial Auto Insurance
As a business owner, you may rely on one or more vehicles—whether it's a delivery van, service truck, company car, or fleet of limousines. No matter the type, commercial auto insurance helps safeguard your business against financial losses caused by accidents, injuries, or other unexpected incidents on the road.
Why Commercial Auto Insurance Matters
Company-owned vehicles are valuable business assets—and risks. Even a minor fender bender could result in major liability, legal claims, or repair costs. The right commercial auto policy gives you peace of mind and protects your business operations from unnecessary disruption.
According to the Federal Motor Carrier Safety Administration (FMCSA):
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In 2019, there were over 510,000 police-reported crashes involving large trucks in the U.S.
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4,479 were fatal, and 114,000 caused injuries.
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A large percentage of fatal crashes occurred on interstate highways and in rural areas.
With numbers like these, protection isn’t optional—it’s essential.
What Is Commercial Auto Insurance?
What Does Commercial Auto Insurance Typically Cover?
A comprehensive commercial auto policy includes a mix of required and optional coverages. Common components include:
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Bodily Injury Liability: Covers medical expenses, legal fees, and settlements if someone is injured in an accident caused by your business vehicle.
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Property Damage Liability: Pays for damage to another person’s property caused by your vehicle.
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Collision Coverage: Covers repair or replacement of your business vehicle if it's damaged in an accident—regardless of who is at fault.
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Comprehensive Coverage: Protects against non-collision incidents like theft, vandalism, natural disasters, and falling objects.
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Uninsured/Underinsured Motorist: Helps pay for injuries or damage if your vehicle is hit by a driver without adequate insurance.
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Medical Payments or Personal Injury Protection (PIP): Covers medical expenses for drivers and passengers after an accident.
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Optional Coverage:
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Rental reimbursement
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Towing and roadside assistance
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Non-owned vehicle coverage (for employees using their personal cars for work)
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Hired auto coverage
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Cargo and equipment liability
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Who Needs Commercial Auto Insurance?
If your business uses vehicles for any work-related purpose beyond commuting, you likely need commercial auto insurance. Common industries include:
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Delivery Services: Couriers, food delivery, e-commerce businesses
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Construction and Contracting: Contractors, plumbers, electricians, and landscapers
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Transportation Services: Trucking, taxi, shuttle, and limousine services
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Sales & Field Services: Employees driving to appointments or client sites
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Retail & Wholesale: Businesses that move inventory or products regularly
Even if your employees use their own vehicles, your business may still be liable—making non-owned auto coverage an important consideration.
Getting the Right Policy for Your Business
As an independent insurance agency, G&G Independent Insurance works with dozens of top-rated carriers nationwide to help you find the right commercial auto insurance policy—at the right price.
We’ll ask the right questions to help you uncover any potential discounts and design a plan tailored to your business, such as:
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How many vehicles are in your fleet?
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What types of vehicles are used?
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What are they used for—transporting people, goods, tools, or hazardous materials?
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How far and how often do your vehicles travel?
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Who are your drivers, and what’s their experience level?
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Have they completed safe driving or defensive driving courses?
What Our Customer Says
Frequently Asked Questions About Commercial Auto Insurance
1. What is commercial auto insurance?
Commercial auto insurance covers vehicles used for business purposes. It protects your company from financial losses related to accidents, property damage, injuries, and liability involving your business vehicles.
2. How is commercial auto insurance different from personal auto insurance?
While personal auto insurance covers vehicles for individual use, commercial auto insurance is designed for business-related driving. It includes higher liability limits and options tailored to business risks, like coverage for multiple drivers or transporting goods.
3. Do I need commercial auto insurance if my employees use their own cars for work?
Yes, you may need non-owned auto coverage. This protects your business if an employee gets into an accident while using their personal vehicle for work-related tasks.
4. What types of vehicles can be covered under a commercial auto policy?
Coverage is available for a wide range of vehicles, including:
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Delivery vans
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Pickup trucks
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Passenger vehicles
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Service utility trucks
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Box trucks, flatbeds, and more
5. What does a typical commercial auto policy cover?
Most policies include:
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Liability coverage (bodily injury & property damage)
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Collision and comprehensive coverage
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Medical payments or personal injury protection
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Uninsured/underinsured motorist coverage
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Optional add-ons like towing, rental reimbursement, or cargo coverage
6. How are commercial auto insurance rates calculated?
Rates are based on factors such as:
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Vehicle types and usage
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Number of drivers and their driving records
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Business location and mileage
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Coverage limits and deductibles
7. Can I get discounts on my commercial auto insurance?
Yes. Discounts may be available for:
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Safe driving records
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Driver safety training
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Low annual mileage
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Bundling with other business insurance policies
Working with an independent agency like G&G helps you uncover the best rates and discounts available.
8. How do I get a quote for commercial auto insurance?
It’s simple. Contact G&G Independent Insurance to get started. Our team will compare top-rated carriers and find coverage tailored to your business needs—without the hassle.
Get Started Today
No matter where your business takes you, having the right commercial auto insurance isn’t just smart—it’s essential. Whether you’re a small local service or managing a large fleet across multiple states, protecting your vehicles and drivers is critical to keeping your business moving forward without costly interruptions.
Don’t leave your coverage to chance. Reach out to G&G Independent Insurance today for a personalized quote tailored to your unique needs, and take the first step toward complete peace of mind on the road.
