Commercial Auto Insurance

Keep your business moving with the right protection. 

Commercial Auto Insurance helps protect vehicles used for business purposes, along with your business and the people who drive those vehicles. Whether you operate a single company vehicle or manage an entire fleet, the right coverage can help protect your business from the financial impact of accidents, vehicle damage, theft, and other covered losses.

Oakdale Insurance Group can help you find commercial auto coverage tailored to your vehicles, drivers, operations, and business needs.

What Is Commercial Auto Insurance?

Commercial Auto Insurance is designed for vehicles that are owned, leased, or used by a business for business-related purposes. While it shares some similarities with personal auto insurance, commercial policies are designed to address the additional risks associated with operating vehicles as part of a business.

Coverage may be available for cars, pickup trucks, vans, service vehicles, box trucks, and other commercial vehicles, depending on the business and insurance carrier.

From a contractor driving a company pickup to a business operating multiple service vehicles, we’ll help you evaluate your exposures and determine the appropriate coverage for your operation.

What Can Commercial
Auto Insurance Cover?

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Coverage varies by policy and carrier, but a commercial auto policy may include:

Liability Coverage
Helps protect your business when a covered driver is responsible for an accident that causes bodily injury or property damage to others.

Collision Coverage
Helps pay for covered damage to your business vehicle resulting from a collision, subject to the terms and deductible of the policy.

Comprehensive Coverage
Helps protect covered vehicles against certain non-collision losses, which may include theft, vandalism, fire, hail, weather-related damage, and other covered events.

Uninsured/Underinsured Motorist Coverage
May provide protection when a covered vehicle is involved in an accident with a driver who has no insurance or insufficient insurance.

Medical Payments and/or Personal Injury Protection
May help with certain medical expenses and other covered costs resulting from an accident.

Additional Coverage Options
Depending on the carrier and your business needs, additional protection may be available for exposures such as hired vehicles, non-owned vehicles, towing, rental reimbursement, and other commercial auto risks.

Who Needs Commercial Auto Insurance?

If vehicles are an important part of your business operations, a personal auto policy may not provide the protection your business needs.

Commercial Auto Insurance may be appropriate for contractors, construction companies, service companies, delivery businesses, sales organizations, property management companies, professional businesses, and companies operating vehicle fleets.

It may also be appropriate if you or your employees:

  • Drive company-owned vehicles
  • Transport tools, equipment, or materials
  • Travel between jobsites or customer locations
  • Make deliveries
  • Have employees drive vehicles for business purposes
  • Operate multiple vehicles or a commercial fleet

Protect the Vehicles That Keep Your Business Moving

An accident involving a company vehicle can affect more than the vehicle itself—it can create liability, interrupt operations, and result in unexpected expenses for your business.

Let Oakdale Insurance Group help you understand your Commercial Auto Insurance options and find coverage designed around your business.

Request a Commercial Auto Insurance Quote