Business Auto Insurance
Business owner's using a vehicle for any business purpose:
If you use a vehicle for any business purpose — and it’s registered to you or your company — you likely need commercial auto insurance. Whether you’re delivering, servicing, selling, or inspecting, we’ll make sure you’re properly covered.
Not sure if personal auto is enough? We’ll tell you.
Commercial Auto
- Accidents Benefits
- Third-Party Liability
- Uninsured, Underinsured or Unidentified Motorist
- Direct Compensation – Property Damage
- Collision
- Comprehensive
- Family Protection
- Unique, Specialized Coverages specific to your business needs
- Coverage for specific modifications or equipment
Commercial General Liability
- Bodily Injury & Property Damage
- Personal Injury
- Medical Payments
- Tenant’s Legal Liability
- Products
- Completed Operations
Does a Small Business Need Commercial Cargo Coverage?
It depends on what you’re transporting.
If your business vehicle carries goods, tools, or customer property, then yes — you may need commercial cargo coverage (often called Legal Liability for Damage to Cargo or a Commercial Inland Marine endorsement).
Here’s when you should consider it:
- You deliver products to customers (e.g., florists, bakers, furniture delivery)
- You transport tools, equipment, or inventory (e.g., contractors, mobile service pros)
- You handle customer property in transit (e.g., cleaners, pet groomers, tech repair)
- You work with a vendor or platform that requires cargo coverage as part of their insurance term
What Commercial Auto doesn’t cover:
Your standard commercial auto policy typically only covers the vehicle itself, not what’s inside it. Without cargo coverage, any loss, theft, or damage to the items you’re transporting may not be insured.
Recommendation:
Include cargo coverage if your business relies on the contents of your vehicle to deliver your service or fulfill orders. It’s a relatively low-cost but high-impact addition.
