Who needs Commercial Auto?
What's covered
Bodily injury and property damage you cause to others in an accident while driving for business.
Damage to your vehicle from collisions with other vehicles or objects.
Damage from theft, vandalism, weather, fire, and other non-collision events.
Medical expenses for you and passengers injured in an accident, regardless of fault.
Protection if you're hit by a driver without adequate insurance.
Coverage for rental cars and employee personal vehicles used for business.
What's not covered
Examples by industry
A mobile stylist rear-ends another car while driving to a client; commercial auto covers the damage and injuries.
Your food truck is in an accident on the way to an event; commercial auto pays for repairs and the other driver's claims.
A cleaning crew's van hits a parked car en route to a job; commercial auto covers the property damage.
An employee causes an accident while driving to a client meeting; commercial auto handles the liability.
Your delivery vehicle is damaged in a collision while dropping off an online order; commercial auto pays for repairs.
One of your trucks causes a multi-vehicle accident; commercial auto covers the resulting injury and damage claims.
A field technician's company car is in a crash on a service call; commercial auto covers the damage and injuries.
Your work truck backs into a client's gate; commercial auto pays for the property damage.
A photographer's vehicle loaded with gear is hit on the way to a shoot; commercial auto covers the vehicle damage.
An agent driving clients between showings is in an accident; commercial auto covers the injuries and damage.
Part of the Knack guide
Learn Commercial Auto alongside every other coverage in our full guide.
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