What is Commercial Auto Insurance?

About Commercial Auto Insurance

Commercial auto insurance covers vehicles your business owns such as automobiles and trucks. Commercial auto insurance is similar to your personal auto with coverage such as liability, collision, comprehensive, medical payments and uninsured motorist coverage. There are also some big differences such as eligibility, exclusions, and limits.

Commercial auto insurance is designed for company vehicles used for business purposes, to transport goods and equipment, for livery and many other business uses. 

Box trucks, food trucks, work vans; these are just a handful of vehicles that require a commercial auto insurance policy. Many vehicles commonly used for businesses are excluded from personal auto policies. This is because personal coverage was not meant for the risk of business usage so they are written differently.


It’s important you talk with your agent to understand the terms listed below and how much coverage you have in case of an incident:

  • Bodily injury liability coverage helps pay for damages that your company might be liable for
  • Property damage liability coverage typically helps cover damages to another person’s property if you are found at fault for an accident.
  • Medical payments, no-fault or personal injury coverage will cover medical expenses regardless of who is found to be at fault in an accident. This can also include lost wages due to injury.
  • Uninsured motorist coverage covers damages done by another motorist who does not carry their own insurance or enough insurance.
  • Comprehensive coverage covers damages done by incidents other than a collision, also including hitting a deer or vandalism.
  • Collision coverage can help pay to repair or replace your car if there is a collision with another vehicle or another object, such as a tree.

What to Read Next:

Good to Know

  • Commercial auto insurance can cover any permanently attached equipment, but tools and similar equipment should be covered by a general liability policy.
  • Your commercial auto policy can cover employees, family members, and others as drivers, so be sure to list them as drivers on the policy.
  • Your trailer isn’t always automatically covered, so be sure to speak with your agent to understand your coverage options.

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877.994.6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from a business that trusts Stromsoe Insurance Agency:
“About as painless as buying insurance can be! Very attentive and professional. [Stromsoe Insurance Agency] did a very good job organizing our insurance mess!”
Dean Sbragia – Medical Fitness Solutions – Fallbrook, CA – Client Since 2016

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!