Commercial Auto
What's included
What It Covers
Liability coverage
Helps pay for injuries to others and damage to their property when your business vehicle or driver is at fault in an accident.
Collision
Helps pay to repair or replace your business vehicle after a collision with another vehicle or object, after your deductible.
Comprehensive
Helps cover damage from events other than a collision, such as theft, fire, vandalism, storms or hitting an animal.
No-fault (PIP)
In New York, personal injury protection helps pay medical expenses and certain lost wages for injured drivers and passengers, regardless of who caused the accident.
Uninsured motorist
Helps protect your drivers and passengers if they are injured by a driver who has no insurance or leaves the scene.
Hired and non-owned auto
Helps protect your business from liability when employees drive rented vehicles or their own personal cars for business purposes.
Who Needs It
- Businesses that own, lease or register vehicles in the company's name
- Contractors and trades that carry tools, equipment or materials
- Delivery, transportation and service businesses with drivers on the road
- Companies whose employees use rented or personal vehicles for work errands
Optional Coverages
- Supplementary uninsured/underinsured motorist (SUM)Can increase protection for your drivers and passengers when an at-fault driver has little or no insurance.
- Rental reimbursementMay help pay for a replacement vehicle while a covered business vehicle is being repaired after a claim.
- Towing and laborCan help with towing and on-site labor costs if a business vehicle breaks down.
- Loan or lease gapMay cover the difference between what you owe on a financed or leased vehicle and its actual cash value if it is totaled.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Can I use my personal auto policy for my business vehicle?
Personal auto policies often limit or exclude coverage when a vehicle is used mainly for business, owned by a company or used to transport goods or people for a fee. If a vehicle is an important part of how you earn income, a commercial auto policy is usually the better fit.
Are my employees covered when they drive company vehicles?
Typically, employees you permit to drive your business vehicles are covered under the policy, but carriers usually review driver records and may require drivers to be listed. Keeping your driver list up to date helps avoid gaps in coverage.
What if my employees use their own cars for work?
Their personal auto policy generally responds first, but your business could still be held responsible after an accident. Hired and non-owned auto coverage can help protect your business in those situations.
Can I insure all of my business vehicles on one policy?
Yes, many businesses insure multiple vehicles together on a single commercial auto or fleet policy, which can make management and renewals simpler. World Class Coverage can help you compare options from multiple carriers for coverage that fits the size and use of your fleet.
Ready to Get Started?
Get a personalized Commercial Auto quote or speak with one of our experienced agents.