Commercial Auto Insurance
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What is Commercial Auto Insurance?
Commercial auto insurance covers vehicles used for business purposes, offering protection against accidents, liability, and unforeseen events. Unlike personal car insurance, it is specifically designed to handle the unique risks that business vehicles face.
Who Needs Commercial Auto Insurance?
If your business relies on vehicles for daily operations, commercial auto insurance is a must. This coverage is essential for businesses that own, lease, or rent vehicles used to transport goods, equipment, or passengers. Some of the most common professions that require commercial auto insurance include:
- Contractors & Tradespeople: Construction companies, landscapers, electricians, and other professionals who use vans or trucks to carry tools and materials to job sites.
- Delivery & Logistics Companies: Businesses that transport goods, products, or parcels to customers require protection for their vehicles, drivers, and cargo.
- Transportation Services: Companies that operate taxis, limousines, and other livery services need coverage for passenger transport.
- Food & Beverage Businesses: Food trucks, catering services, and restaurants that deliver food should have the right insurance to protect their mobile operations.
- Non-Profit Organizations: Groups that use vans or buses to transport clients or volunteers can benefit from commercial auto coverage.
A personal auto insurance policy does not cover business vehicle usage, making it crucial for business owners to have a dedicated commercial policy to avoid financial losses.
Get Tailored Coverage for Your Business Vehicles
At Avanta Seguros, we understand that every business has unique insurance needs. Our commercial auto insurance policies include a range of coverage options to provide complete protection:
Liability Coverage
Ensures that you’re covered if your vehicle is involved in an accident with a driver who has insufficient or no insurance.
Medical Payments Coverage
Pays medical expenses for you and your passengers in case of an accident, regardless of who is at fault.
Comprehensive Coverage
Offers financial protection against non-collision events such as theft, vandalism, fire, and extreme weather conditions.
Uninsured/Underinsured Motorist Protection
Protects your business against third-party injuries or property damage caused by your commercial vehicle.
Collision Coverage
Covers repair or replacement costs if your vehicle is damaged in an accident involving another vehicle or object.
Types of commercial vehicles we cover
Avanta Seguros provides insurance solutions for a variety of commercial vehicles, including:
Business Autos
Company-owned cars, light trucks, SUVs, and vans used for business activities.
Trucks
Coverage for various truck types, including dump trucks, flatbeds, tow trucks, and tractor-trailers.
Trailers
Protection for commercial trailers, from utility trailers to large dump body trailers used in transportation and construction industries.
Common questions about commercial auto insurance
Does commercial auto insurance cover personal use?
Yes. While personal auto insurance does not provide coverage for business-related activities, our commercial auto insurance policies cover your vehicle for both business and personal use.
What drivers are covered under commercial auto insurance?
Drivers who regularly use your commercial vehicle should be listed on your policy. Additional drivers may be covered, but there may be restrictions for those not explicitly included in the policy.
Are tools and materials in my vehicle covered under a commercial auto policy?
It depends. Permanently installed equipment is covered under a commercial auto policy. However, additional tools and materials require inland marine insurance, which can be added to a general liability policy for broader protection.
Do I need commercial auto insurance to drive for a rideshare company, like Lyft or Uber?
In most cases, no. Rideshare companies typically provide insurance when you are actively driving for them, but their coverage may have limitations. To ensure full protection, you can add specific endorsements to your personal auto insurance or obtain commercial for-hire livery insurance.
Do I need special insurance to deliver pizza or other goods for a fee?
Yes, most likely. Standard personal auto insurance policies generally do not cover accidents that occur while making deliveries for a fee, including food or package delivery services. Without commercial auto insurance, claims may be denied, and you could be held personally responsible for damages.
How much will my insurance go up if I'm involved in an accident with my commercial vehicle?
It depends. While an accident does not immediately impact your current policy, it may influence your rate upon renewal. Factors such as fault, claim costs, and accident history all contribute to potential rate changes. However, an increase is not guaranteed.
Does commercial auto insurance cover theft of personal items?
Not necessarily. While the policy covers the vehicle itself and any permanently attached equipment, personal items such as tools and ladders are not included. To protect the contents of your vehicle, you may need a general liability policy with an inland marine endorsement.
Drive Business Forward—Covered
Insure the vehicles that keep your business moving with flexible commercial auto policies built for your needs.
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