Coverage for vehicles used to run the business.
Commercial auto helps cover liability and physical damage for vehicles your business owns, leases, rents, or uses for work.
- TodayDriver added · service van 4MVR reviewed · schedule updated
- YesterdayCOI sent · Harborview GC$1M CSL confirmed for site access
- May 19Radius checkOperations within 100 miles · verified
New to it, or switching a policy over?
We'll explain what it typically covers, what it leaves out, and what contracts or landlords commonly ask for — in plain English, no pressure.
Already have a policy? Upload it. We'll review the limits, exclusions, and wording, compare the market, and tell you straight whether it's worth a move — same coverage, no gap.
These are the moments it’s built for.
If vehicles are part of how your business sells, delivers, installs, services, transports, or visits clients, auto coverage needs to be designed intentionally. Personal auto policies usually are not built for business use.
The business owns or leases vehicles.
Employees drive to job sites, customer locations, or deliveries.
Your trucks, vans, or cars carry tools, equipment, inventory, or materials.
A contract requires auto liability limits.
Employees sometimes use personal vehicles for work errands or client visits.
What it helps cover.
The moments this policy typically steps in for — in plain English, before the policy language.
Auto liability if a covered vehicle causes injury or property damage.
Physical damage to covered business vehicles when collision or comprehensive applies.
Medical payments or personal injury protection where available.
Uninsured or underinsured motorist coverage where available.
Hired and non-owned auto liability when added or written separately.
Coverage varies by policy form, carrier, limits, exclusions, and the facts of the claim. We review the wording with you before recommending anything.
What sits in another policy.
No policy covers everything. Here’s where this one usually stops — and what typically picks up from there.
Each line links to the coverage that usually responds. None of these are recommendations by themselves — what you need depends on the business and the contracts.
Here’s how it actually plays out.
A company van rear-ends another driver on the way to a job.
A service truck is damaged in a parking lot.
An employee uses a personal car for a work errand and causes an accident.
A customer contract requires $1M combined single limit before vehicles can enter the site.
What actually moves the price.
No number on a landing page is a real quote. These are the inputs underwriters actually look at — and what we pin down with you so the policy fits.
- Vehicle schedules with VINs, garaging addresses, and drivers.
- MVR review for drivers where required by carriers.
- Hired and non-owned auto wording for employee or rented vehicle use.
- Certificates showing required auto liability limits.
No instant-quote gimmicks. We get the inputs right, compare the market, and show you the tradeoffs that matter.
We read the fine print so you don’t have to.
A licensed broker — writing in plain English and staying on it after bind. Insurance that feels handled.
We map how vehicles are used instead of assuming every vehicle has the same exposure.
We check hired and non-owned auto needs for businesses without large fleets.
We connect auto coverage to tools, cargo, umbrella, and contract requirements.
We keep vehicle changes from turning into coverage gaps.
Questions we get a lot.
Do I need commercial auto if I already have personal auto?+
If the vehicle is owned by the business or used regularly for business purposes, personal auto may not be enough. The right answer depends on ownership, use, drivers, and contracts.
What is hired and non-owned auto?+
It helps cover liability when your business rents vehicles or employees use personal vehicles for work. It does not usually repair the employee's own car.
Does commercial auto cover tools in my truck?+
Not always. Tools and equipment usually need separate inland marine or tools coverage.
Can Riza support fleets?+
Yes. Riza can help with individual vehicles, growing fleets, driver controls, certificates, umbrella coordination, and renewal strategy.
Let’s get you covered.
Tell us a bit about your business, see your options, and we’ll take it from there.
- 01We map how vehicles are used instead of assuming every vehicle has the same exposure.
- 02We check hired and non-owned auto needs for businesses without large fleets.
- 03We connect auto coverage to tools, cargo, umbrella, and contract requirements.
- 04We keep vehicle changes from turning into coverage gaps.