BusinessCommercial auto
Business insurance
Commercial auto
Vehicles used for work — owned, leased, or driven by employees — with the limits contracts expect.
In plainEnglish
A personal auto policy excludes most business use. Commercial auto covers vehicles titled to the business, employees driving their own cars for work (hired and non-owned), and the higher liability limits most contracts require.
Covers
- Liability for vehicles used in the business
- Physical damage on scheduled vehicles
- Hired and non-owned autos
- Michigan no-fault PIP and PPI
Doesn’t cover
- Cargo unless added
- Personal use of a vehicle not listed
- Tools inside the vehicle (inland marine)
Who needs it
- Contractors and service businesses with trucks and vans
- Any business whose employees drive for work
- Delivery and sales operations
When itcomes up
Situations & professions
Where commercial auto shows up in real life.
Nextstep
Ready to see commercial auto options?
A few questions, your ZIP, and we’ll show you which market fits before you give us a phone number.