Commercial Auto Insurance
Commercial Auto: Coverage for Your Business Vehicles
Why Personal Auto Policies Fall Short
If your vehicles are used for business purposes — deliveries, hauling equipment, transporting employees, or client visits — your personal auto policy will not cover an accident that occurs during business use. A commercial auto policy is specifically designed to protect vehicles owned by, or used for, your business, with higher liability limits and broader coverage.
Whether you operate a single work truck or manage a fleet of fifty vehicles, commercial auto insurance is not optional — it's essential to protecting your business assets, your employees, and your bottom line.
Key Benefits at a Glance
Coverage Options
| Coverage | What It Covers | Who Needs It |
|---|---|---|
| Commercial Liability | Bodily injury and property damage caused to third parties by your business vehicles. | All businesses with vehicles. |
| Physical Damage | Collision and comprehensive coverage for your owned business vehicles. | Any business with financed or valuable vehicles. |
| Hired Auto | Liability for vehicles your business rents or leases on a short-term basis. | Businesses that rent vehicles for travel or projects. |
| Non-Owned Auto | Liability when employees use personal vehicles for company business. | Any business where employees drive for work. |
| Motor Truck Cargo | Coverage for goods and materials being transported by your vehicles. | Delivery, logistics, and transport companies. |
Why Choose Anker Insurance for Commercial Auto?
Commercial auto rates and coverage terms vary dramatically between carriers. As an independent agency, we shop your fleet across multiple insurers to find the best combination of coverage, price, and claims service. We also help you structure your policy to coordinate with your general liability, umbrella, and workers' compensation coverage.
Ready to Protect Your Fleet?
Whether you have one work truck or a fleet of fifty, we can build a commercial auto program that fits your operations and budget. Click below to get started, or call us to speak with a commercial lines specialist.
