Commercial Truck & Auto Insurance

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Travelers umbrella.

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SPEAKER: What is commercial auto insurance? Whether it's delivering goods or meeting with customers, picking up supplies or transporting equipment to a job site, taking your business and your vehicles on the road can be essential to your everyday operations. Commercial auto insurance is designed to cover losses should you or an employee be involved in an accident when driving for work purposes.

You may be thinking you're covered under your personal auto policy, but it's not designed for the type of risks you and your employees can face. In fact, most personal auto policies contain an exclusion for business use. Commercial auto insurance can cover business-owned vehicles, like fleets of vehicles or trucks, and even your own car, as well as those you rent, lease, or borrow. It can also help when employees use their personal vehicles for business.

Commercial auto insurance isn't included in your business owners policy. But you can purchase it separately, and most states require businesses to have a minimum amount of commercial auto insurance. So make sure your business is protected from risks on the road. To get started with commercial auto coverage and other business insurance solutions, contact a Travelers independent agent or visit travelers.com.

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Vehicles covered by a business commercial auto insurance policy can include:

• Passenger vehicles
• Vans
• Light trucks
• Heavy and extra heavy-duty trucks
• Truck trailers
• Vehicle fleets
• Specialty vehicles

Make sure your commercial auto coverage is right for the vehicle types your business uses.

The costs can vary. There are many independent factors that may impact what you will pay for commercial auto insurance, such as the type of business and the types of the vehicles insured, driving history, garaging location(s), and the coverages or limits you select.

A fleet is defined as five or more self-propelled autos under one ownership and used for business purposes. A policy with less than five self-propelled autos is considered a non-fleet policy.

A commercial auto insurance policy protects your business and provides coverage for commercially owned vehicles used in business operations. A personal auto policy provides coverage for personally owned vehicles that are operated by individuals or family members for personal use.

Physical Damage Coverage protects your owned autos against accidental loss or damage, including:

• Collision coverage — protection against damage and loss in the event of an accident.
• Comprehensive coverage — protection against damage or loss caused by something other than a collision, such as hitting an animal or theft.
• Specified causes of loss coverage — protection against specified peril such as vandalism, hail or fire.