Nadler Insurance

Commercial Auto Insurance

Company vehicles, delivery trucks, or anything driven for business — commercial auto keeps your fleet covered and your business protected.

What Commercial Auto Covers

Liability Coverage

Covers bodily injury and property damage you cause to others in a business vehicle accident. Required by law and essential for protecting your business.

Collision Coverage

Pays to repair or replace your business vehicles after a collision, regardless of fault. Important for newer vehicles and financed/leased equipment.

Comprehensive Coverage

Covers non-collision damage — theft, vandalism, fire, weather, and hitting animals. Protects your fleet from the unexpected.

Uninsured/Underinsured Motorist

Protects your drivers and passengers if hit by a driver without adequate insurance. Important given how many uninsured drivers are on California roads.

Hired Auto Coverage

Covers vehicles you rent or borrow for business use. Essential if employees ever rent cars for business trips.

Non-Owned Auto Coverage

Covers liability when employees use their personal vehicles for business. Fills gaps in personal auto coverage.

Businesses That Need Commercial Auto

  • Contractors. Work trucks, vans, and equipment transport.
  • Delivery services. Food delivery, courier services, local distribution.
  • Service businesses. HVAC, plumbing, electricians, cleaning services.
  • Sales teams. Employees driving to client meetings and sales calls.
  • Any business with company vehicles. Even one vehicle used for business needs commercial coverage.

Frequently Asked Questions

When do I need commercial auto insurance?
You need commercial auto if vehicles are titled to your business, used primarily for business, used to transport goods or people for a fee, used by employees, or are large vehicles like box trucks or vans. Personal auto policies typically exclude business use.
Can employees use personal cars for business with my commercial policy?
Your commercial policy doesn't automatically cover employee-owned vehicles. You need hired and non-owned auto coverage (HNOA) for this exposure. It covers your liability when employees use their personal cars for business errands.
How is commercial auto premium calculated?
Premiums depend on vehicle type, driver records, radius of operation, cargo type, and claims history. A small sedan costs less to insure than a heavy truck. Clean driver records help significantly.
What's the difference between commercial auto and a commercial policy?
Commercial auto specifically covers vehicle-related risks. A commercial package (BOP or CPP) typically covers property and general liability. Most businesses with vehicles need both — your BOP won't cover auto accidents.
Do I need higher limits for commercial auto?
Often yes. Business vehicles tend to be on the road more, may carry passengers, and create greater liability exposure. Many contracts require minimum commercial auto limits. We'll help you assess appropriate coverage.

Ready to cover your business vehicles?

Get a commercial auto quote and protect your fleet.

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