"Every Mile Covered. Every Driver Protected."
Protection for vehicles used in business operations
Commercial Auto insurance provides liability and physical damage coverage for vehicles used in connection with business activities. Unlike personal auto insurance, Commercial Auto is designed to address the increased risk, legal exposure, and usage patterns associated with business operations.
Any business that owns, leases, hires, or regularly uses vehicles for work purposes should consider Commercial Auto coverage.
What Commercial Auto Insurance Covers
Commercial Auto policies typically provide coverage for:
Bodily Injury & Property Damage Liability — Protection against claims arising from accidents where your business is legally responsible.
Physical Damage — Coverage for damage to covered vehicles, including collision and comprehensive losses.
Medical Payments or Personal Injury Protection — Pays medical expenses for occupants of covered vehicles, subject to state requirements.
Uninsured / Underinsured Motorist Coverage — Protects your business when an at-fault driver lacks adequate insurance.
Hired & Non-Owned Auto Liability — Covers liability arising from rented vehicles or employee-owned vehicles used for business purposes.
What It Does Not Cover
Commercial Auto insurance generally does not cover:
Personal use outside defined policy terms
Intentional acts
Employee injuries (covered under workers’ compensation)
Wear and tear or mechanical breakdown
Certain high-risk vehicle types without endorsement
Cargo or goods being transported (requires separate coverage)
Coverage depends on how vehicles are titled, used, and insured.
Who Needs Commercial Auto Insurance?
Commercial Auto is essential for businesses that:
Own or lease company vehicles
Use vehicles to transport goods, tools, or equipment
Have employees driving for work purposes
Rent vehicles in the business name
Rely on deliveries or mobile operations
Many contracts and states require Commercial Auto coverage when vehicles are business-owned or regularly used for work.
How Coverage Is Structured
Commercial Auto policies are structured based on:
Vehicle ownership (owned, hired, non-owned)
Vehicle type and weight
Driver eligibility and records
Radius of operation
State-specific minimum limits
Policies include per-accident liability limits and optional physical damage deductibles.
Real-World Claim Examples
An employee causes an accident while driving a company vehicle
A rented vehicle is damaged during a business trip
An employee causes a collision while using a personal vehicle for work
A business vehicle is stolen or vandalized
Auto-related claims are among the most frequent and costly losses businesses face.
Why Proper Placement Matters
Commercial Auto coverage can be compromised by:
Incorrect vehicle ownership classification
Failure to include hired and non-owned auto coverage
Inadequate liability limits
Misunderstanding personal vs. commercial usage
Small errors can lead to denied claims or uncovered losses.
Our Approach
At Cory Washington & Co., we assess how vehicles are actually used — not just how they’re listed on paper. We structure coverage to align with operations, contracts, and growth plans while ensuring compliance with state and contractual requirements.
Auto exposure should never be an afterthought.
Disclaimer
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.