Commercial auto insurance covers a variety of claims involving your business vehicles. It typically includes liability protection for other people and property, as well as coverages for you, your passengers, and your vehicle. Additional options are available depending on your business’s risks and contractual requirements.
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A commercial auto policy from Progressive is made up of many different coverages. The primary coverages work like personal auto insurance but offer higher limit options.
Liability protection covers injuries or damage to other people or property if you’re at fault for an accident. You can choose a split or combined limit to determine the maximum amount your policy will pay out. Split limits separate injury and property damage coverages into individual amounts, while a combined limit is a total maximum payment for all damages.
Driver protections, like medical payments and uninsured motorist coverages, can help pay for medical expenses if you or a passenger are injured.
Vehicle protections, like comprehensive and collision coverages, cover damages to your vehicles caused by accidents and other mishaps. And there are additional coverages available depending on your vehicle type, including hired auto, cargo, and roadside assistance.
Progressive will help you customize a commercial auto insurance policy to your needs. Get a quote and protect your business today.
Disclosure: Coverages not available in all states for all vehicles and coverage selections. Roadside assistance services and coverages subject to policy terms and limits and include towing, winching, battery charge/jump-starts, fuel and other fluid delivery, vehicle lockouts, and flat tire repair/replacement. Towing assistance determined on case-by-case scenario. Replacement parts, tires, fuel, fluids, lubricants, key and other costs are additional. Progressive Casualty Ins. Co & affiliates.
There are several primary commercial auto coverages that small business owners can get to protect from accidents involving their work vehicles. These coverages work like those on personal auto policies but offer higher limit options that are suitable for businesses.
Vehicle liability insurance protects against injuries to other people or damage to their property if you're at fault for an accident. It contains two coverages:
You’ll choose a split limit or a combined single limit (CSL) to determine the maximum amount your policy pays out. Split limits separate injury and property damage coverages into individual amounts, while a combined limit is a total maximum payment for all accident-related damages.
Each state has different liability insurance requirements. Learn more about commercial auto insurance by state.
There are four uninsured/underinsured motorist coverages that can protect your commercial drivers, depending on your state and coverage selections:
Medical payments, also known as MedPay, is a driver protection that covers you and any passengers injured in an accident. It protects you regardless of who is at fault.
You’ll select a per-person limit when you purchase medical payments coverage, which determines the maximum amount your insurance company will pay for each person involved in the accident.
Comprehensive coverage protects your vehicle from non-collision events that are out of your control, including fire, theft, vandalism, glass damage, and hitting an animal. It also covers acts of nature, such as hail. Your lender might require comprehensive insurance if you finance or lease your vehicle.
Collision insurance pays to repair or replace your vehicle if it collides with another object, overturns, or rolls. It covers:
To purchase collision coverage, you must have comprehensive insurance or fire and theft with combined additional coverage (CAC) insurance. Your lender might require collision coverage if you finance or lease your vehicle.
Some businesses opt for additional commercial auto coverages depending on their vehicle use and preferences. These coverages can offer more protection and support against specific risks.
Roadside assistance covers up to one hour of on-scene labor if your commercial vehicle breaks down due to events like a mechanical or electrical breakdown. It provides towing to the nearest repair facility, locksmith services, flat tire changes, fuel or fluid delivery, battery jump-starts, and more.
Roadside assistance for light vehicles is available in all 50 states, and heavy truck roadside assistance is available in most states.
Hired auto insurance includes vehicles you lease, hire, rent, or borrow in connection to your business. If you or one of your employees needs to drive an auto not listed on your commercial auto policy, hired auto coverage can extend your existing liability protection.
Non-owned auto insurance extends your liability coverage to include employees who occasionally use their personal autos for work. While all the vehicles your business owns, registers, or contracts should be on your commercial auto policy, non-owned auto coverage can protect you and your employees when they’re on work-related errands.
Not sure which coverage is right for you? Explore our commerical insurance directory for more information.
Each state has its own rules for commercial auto insurance. Learn more about the coverages and limits you need.
Trucks and tow trucks share many of the same coverages as other commercial autos. However, there are also specific protections for these vehicles.
Coverages for trucks include:
Tow truck insurance options are:
