Commercial Insurance · Keep your business moving
Commercial Auto Insurance
Protection for the vehicles and drivers your business depends on.
If your business owns vehicles or your team drives for work, a personal auto policy won't cut it. Commercial auto covers your vehicles, your drivers, and the work you do on the road.
From a single work truck to a full fleet, we match coverage and limits to how your business operates.
What commercial auto insurance can cover
Liability
Bodily injury and property damage from business vehicle use.
Physical damage
Collision and comprehensive for owned vehicles.
Hired & non-owned
Coverage for rented vehicles and employees' personal cars used for work.
Fleet options
Programs that scale from one vehicle to many.
Cargo & equipment
Options for tools and goods you transport.
Who it's for
Contractors, tradespeople, delivery and service businesses, and fleets.
Frequently asked questions
Can I insure my work truck on my personal auto policy?
Usually not safely — personal policies can exclude business use, leaving you exposed. Commercial auto is built for it and provides the higher limits work often requires.
Related coverage
General Liability Insurance
General liability covers third-party bodily injury, property damage, and related lawsuits — the foundation most businesses (and contracts) require.
Learn moreCommercial Package Insurance
A commercial package (CPP/BOP) combines property and liability — and more — into one flexible, often more affordable policy.
Learn moreWorkers' Compensation Insurance
Workers' comp covers medical costs and lost wages for work-related injuries — required for most Michigan employers and a shield against employee lawsuits.
Learn moreReady to protect what matters?
Get a free commercial auto insurance quote and clear guidance from an agent who works for you.