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Illustrated street with a brick garage, a white van beside a purple traffic cone, a box truck in the distance and a gas station

Commercial auto insurance

wherever the job takes you, covered.

Your vans, your drivers, even the rental truck and the car an employee borrows for an errand. We shop the market and stay with you through the claim.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

fender benders, covered.

Collisions, crosswalks, even the rental truck. Tap around the street to see what’s covered, and what isn’t.

Illustrated city intersection with a white van bumped into a small car, an open work van full of ladders, a box truck, a sedan at the curb and a purple bag dropped on the crosswalk

covered

Your van hits another car

Their repairs and your legal costs.

covered

Someone gets hurt crossing

Their medical bills, if your driver’s at fault.

with an add-on

An employee’s car, on an errand

Hired and non-owned auto covers it.

with an add-on

A truck you rented for a job

Hired auto covers it.

covered

Your van hits another car

Their repairs and your legal costs.

Examples. Your policy sets the details.

whose car is it?
it matters.

Your van, an employee’s car and a rental each need the right coverage. Pick one.

Company van

The vans and trucks you own.

Damage and injuries you cause to others. Add collision to fix your own van too.

covered by: Commercial auto. Illustrated white work van with a ladder rack and a purple traffic cone by the front wheel

accident?
make one call.

We file the claim, line up the repairs and follow up until it’s closed. You get back on the road.

  1. 1. Call us from the scene

    Tell us what happened and send a few photos.

  2. 2. We file it

    The report, photos and other driver’s details go to the carrier.

  3. 3. We push it through

    Repairs, the other driver’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Harbor Plumbing

your options

$9,600a year, $1M liability

3 options, same coverage

Option A$9,600

Option B$10,400

Option C$11,800

3 vans4 drivers50-mile radiusClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

get started

Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about commercial auto.

Do I need commercial auto if I use my personal car for work?
Often, yes. Personal auto policies usually exclude or limit business use, like hauling tools, visiting job sites or making deliveries. If the business owns the vehicle or it’s used mainly for work, you typically need commercial auto. If employees drive their own cars on errands, hired and non-owned auto coverage fills the gap.
Does commercial auto cover employees driving their own cars?
Not by itself. An employee’s personal policy pays first, but the business can still be sued. Hired and non-owned auto coverage protects the business when employees use their own cars, or rented vehicles, for work. It’s inexpensive and can be added to a commercial auto or general liability policy.
What is hired and non-owned auto coverage?
Hired and non-owned auto (HNOA) covers liability when your business uses vehicles it doesn’t own: rentals, leased trucks or employees’ personal cars on work errands. It pays for injuries and damage you cause to others. It doesn’t cover damage to the vehicle itself, which usually falls to the rental or personal policy.
Does commercial auto cover tools in my van?
Usually not. Commercial auto covers the vehicle and the damage it causes, not the tools and equipment inside. Tools stolen from a van are typically covered by a tools and equipment policy, also called inland marine. Many contractors carry both, and we can quote them together.
How many vehicles do I need for a commercial auto policy?
One. Commercial auto can cover a single work vehicle or a full fleet. Larger fleets, often ten or more vehicles, may qualify for fleet pricing and more flexible terms. Pricing depends on the vehicles, drivers, radius of operation and claims history.

Insurance words, in plain English: waiver of subrogation · additional insured · hired and non-owned auto

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA