Commercial Insurance
Business Auto
Auto coverage for the cars, pickups, and service vehicles your business uses, outside of for-hire trucking.
What It Is
Business auto covers vehicles your business owns or uses that aren’t part of a for-hire trucking operation, such as company cars, pickups, and service trucks. It typically includes liability, and can include physical damage and coverage for employees driving rented or personal vehicles for work.
What It Typically Covers
- Liability for injuries and damage your business vehicles cause
- Damage to your own vehicles, if physical damage is included
- Rented and employee-owned vehicles used for business, if hired and non-owned auto is added
Common Gaps to Watch For
- For-hire trucking needs a trucking auto policy instead.
- Employees’ personal cars used for work aren’t covered without hired and non-owned auto.
- Tools and equipment inside vehicles usually need separate coverage.
Who Usually Needs It
Freight brokers, repair shops, terminals, warehouses, and other businesses with vehicles used for business.
What Underwriters Consider
- Number and type of vehicles
- Driver records
- How vehicles are used
- Claims history
Questions to Ask
- Are all my vehicles and drivers listed?
- Do employees use their own cars for work?
- Do I need hired and non-owned auto coverage?
- Are tools in my vehicles covered?
All coverage is subject to policy terms, conditions, and exclusions.
Last reviewed: November 1, 2026
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Every business deserves an agent who understands its operation, represents it honestly, and stays engaged after the policy is bound.
Licensed in Illinois.