Commercial Auto Insurance
Protect your business. Stay on the move.
Coverage built to protect your business vehicles, drivers, and operations — so you can stay focused on running the business.
- Covers business-owned vehicles and drivers
- Protects against liability and damages
- Built for a wide range of industries
Independent & licensed
We compare multiple trusted insurance companies
Free, no-obligation quotes · Se habla español
We compare the auto & home companies you know and trust
What it is
Coverage built for work vehicles
Commercial auto insurance covers the vehicles your business owns and operates — vans, trucks, and cars used for work — along with the employees who drive them.
What it covers
What Commercial Auto Insurance includes
Every policy is shopped across multiple trusted insurance companies — so you compare real options side by side.
- Liability
- Physical damage
- Hired & non-owned auto
- Driver coverage
- Fleet options
Is it right for you
Does your business need commercial auto?
If a vehicle is used to make money, a personal policy probably won’t cover it.
- Contractors, tradespeople, and service businesses
- Delivery, hauling, and transportation operations
- Any business with company-owned vehicles
- Owners whose employees drive for work
Why American Insurance
An independent agency working for you
We work for you — not the insurance companies — to find the right coverage at the right price.
- We shop multiple trusted insurance companies — you get the best rate, not one company’s pitch.
- Real licensed advisors — no call centers, no pressure.
- Free, no-obligation quotes. Se habla espanol.
Questions
Frequently asked questions
Do I need commercial auto if I just use my personal vehicle for work?
Often, yes. A personal auto policy can deny a claim if you were using the vehicle for business — making deliveries, hauling tools, or driving employees. If the vehicle is titled to a business, used to transport goods or people for money, or driven by employees, it usually needs a commercial policy. Tell us how the vehicle is actually used and we'll tell you straight which policy fits.
What does commercial auto insurance cover?
It covers liability for injuries and property damage your business vehicles cause, plus physical damage to the vehicles themselves, and it can extend to hired and non-owned autos your team drives. Coverage limits are typically higher than personal auto because the business is on the line. We tailor it to your vehicles, drivers, and how far you operate.
Can I insure more than one vehicle or a whole fleet on one policy?
Yes — whether it's one work van or a full fleet, we can put them on a single commercial policy that's easier to manage and often cheaper per vehicle. Adding and removing vehicles or drivers mid-term is straightforward. We'll structure it to scale with your business.
Are my employees covered when they drive?
They can be, when they're listed and the policy includes the right driver and hired/non-owned auto coverage. Who's allowed to drive, their records, and whether they use their own cars for work all affect the policy — so it's worth getting it set up correctly from the start. We'll review your roster and close any gaps.
How do you keep commercial auto affordable?
We compare commercial carriers, right-size your limits and deductibles, and make sure you're not paying for coverage you don't use. Clean driver records, telematics or safety programs, and bundling with your general liability or property insurance can all reduce the premium. Free quote, no obligation.
More auto insurance
Explore other auto insurance options
Ready for coverage that fits your life?
Get a free, no-obligation quote in minutes — or talk to a licensed advisor today.
Schedule A Call With A Licensed Advisor
Pick a time that works for you — free, no obligation.
Advisors Available Now
You’ll speak with Raiza, Daniela, Janalyn or Karla — licensed advisors, not a call center.
- Takes about 60 seconds
- No obligation
- Licensed advisor
- We compare multiple companies
Prefer to talk now? Call (801) 531-2060.