If a vehicle is used for business, it needs to be insured for business use. That includes travelling between job sites, meeting clients, carrying tools or materials, towing a trailer for work, or using a heavier vehicle for operations. We compare across markets so you get the optimal policy.
This is where your personal auto policy is endorsed for business use, appropriate for light business activities like sales and seeing clients.
Under a commercial policy you may still use the vehicle for personal use, though the primary use is for commercial activities like carrying tools, supplies, pulling trailers. Heavier vehicles fall under this category.
If you have 5+ commercially rated vehicles you may be able to realize significant discounts by setting up a streamlined fleet.
Covers injuries and property damage you cause to others, including legal defence. We typically recommend $2M to $5M for most businesses, with higher limits available based on contracts and exposure.
Medical, rehab, attendant care, and income replacement benefits regardless of fault. For many sole proprietors and smaller businesses without a defined benefit plan, increasing AB limits can be one of the best value upgrades on the policy.
Pays to repair your vehicle after an at-fault accident or a single-vehicle loss. If the vehicle is financed or leased, collision is usually required. We'll help you pick a deductible that keeps premium reasonable.
Covers many non-collision losses like theft, vandalism, fire, glass, and certain weather losses. For businesses that park vehicles at job sites or carry valuable equipment, this is often a key part of the package.
Covers injuries and property damage you cause to others, including legal defence. We typically recommend $2M to $5M for most businesses, with higher limits available based on contracts and exposure.
Medical, rehab, attendant care, and income replacement benefits regardless of fault. For many sole proprietors and smaller businesses without a defined benefit plan, increasing AB limits can be one of the best value upgrades on the policy.
Pays to repair your vehicle after an at-fault accident or a single-vehicle loss. If the vehicle is financed or leased, collision is usually required. We'll help you pick a deductible that keeps premium reasonable.
Covers many non-collision losses like theft, vandalism, fire, glass, and certain weather losses. For businesses that park vehicles at job sites or carry valuable equipment, this is often a key part of the package.
Commercial auto is more specialized, experience matters.
Commercial auto rules vary from insurer to insurer. We'll place the policy with the right market, then coordinate it with your CGL and property coverage where it makes sense. In some cases, bundling auto and liability with the same carrier can create discounts.
Liability is only one part. If the vehicle is financed, leased, or critical to operations, you'll usually want Collision and Comprehensive (or All Perils) plus rental coverage so the business can keep moving.
As vehicle size and complexity increase, insurer appetite tightens. We help position the risk properly, including driver experience, use, radius, and any compliance expectations tied to heavier commercial operations.
Auto covers the vehicle, not everything around it. Trailers, attached equipment, and tools carried for work may require specific handling. We coordinate commercial auto with the right property coverage.
Liability is only one part. If the vehicle is financed, leased, or critical to operations, you'll usually want Collision and Comprehensive (or All Perils) plus rental coverage so the business can keep moving.
As vehicle size and complexity increase, insurer appetite tightens. We help position the risk properly, including driver experience, use, radius, and any compliance expectations tied to heavier commercial operations.
Auto covers the vehicle, not everything around it. Trailers, attached equipment, and tools carried for work may require specific handling. We coordinate commercial auto with the right property coverage.
We tailor the policy to real-world business use. Most business owners add a few practical coverages to avoid downtime and out-of-pocket surprises.
Often, yes, depending on how it's used. The key is proper disclosure and rating. If business use is regular, involves job sites, tools, or towing, it usually needs a commercial structure rather than a basic personal setup.
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