Commercial Insurance > Commercial Auto Insurance

Commercial Auto Insurance

Commercial auto insurance protects your business against liability and damages to your vehicles. It protects cars, trucks, vans, and motor vehicles you use for your day-to-day business operations. Commercial insurance policies are different than personal auto policies because they typically expose you to more risk than a personal auto policy.
 
Nation One Insurance can help you build custom policies where you only pay for what you need and offer you competitive rates through carriers. Reach out to us today for a commercial auto quote to find the best coverage tailored for your business needs.

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Commercial Auto Insurance

When is commercial auto insurance needed?

When operating a business and you use a vehicle for operational purposes, commercial auto insurance is needed. If you lease or own any cars, vans, trucks, or any vehicle used for the purpose of transporting people, goods, and equipment.
 
Professions that purchase commercial auto insurance include, but are not limited to:

Transportation services:

companies that use cars, vans, or any vehicle to transport passengers. Some examples are for taxi services, limousines, and any livery services that will need protection for their commercial vehicles.

Contractors:

construction companies, landscapers, plumbers, electricians, and other tradespeople that use their truck or van for tools and equipment to job sites would need commercial vehicle insurance.

Delivery service companies:

Businesses that use their vehicles to deliver goods to customers should have commercial vehicle insurance. This will protect your driver, the vehicle, and the goods you are carrying.

Food Services:

Companies that do catering, food trucking, and restaurants and use the vehicle for operating a mobile kitchen or delivering food to customers would need commercial vehicle insurance for protection.

Non-Profit Organizations:

If you use buses, vans, or any vehicle to drive volunteers or clients, commercial vehicle insurance may be necessary for your business.

Commercial Auto Insurance

Customized coverages for your business

Collision:

This coverage covers your vehicle for repair or replacement if it strikes another object.

Comprehensive:

covers your vehicle and repairs or replaces it when your vehicle is damaged by something other than collision like theft, vandalism, fire, or severe weather.

Liability:

covers you for damages to other people's property or injuries they may sustain when you are at fault for an accident.

Medical Payments (Med Pay) or Personal Injury Protection (PIP):

protects you and your passenger when involved in an accident regardless of who is at fault.

Uninsured/underinsured motorist (UM/UIM):

Provides coverage and helps with cost when someone you are involved in an accident with doesn’t have enough liability coverage to cover your property damage or bodily injury they caused.

Why NationOne Insurance?

Choose NationOne for Unmatched Life Insurance Solutions

At NationOne Insurance, we don’t just offer policies; we deliver promises of a secure future and lasting peace of mind. Here’s why choosing us means choosing unparalleled protection for you and your loved ones

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Commercial Auto Insurance

Commercial vehicle types:

The first step is to choose the kind of life insurance you wish to purchase. Term, whole, and universal life insurance are the three most popular forms. Every plan has a different distribution timeline, so it’s important to base your decision on your specific circumstances.

Business Auto

Trucks

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Frequently Asked Questions

Your Questions Answered

Dive into our comprehensive FAQ section for clear answers about our Life insurance services.

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Does commercial auto insurance cover personal use?

Though personal auto insurance does not cover your vehicle being used for business’s purpose. Commercial auto insurance can cover you for both personal and business use.

What drivers are covered under commercial auto insurance?

Covered drivers must have names on the policy for a commercial auto. Additional drivers may be covered, but restrictions will apply for anyone not listed on the policy.

Are tools and materials in my vehicle covered under a commercial auto policy?

Permanently attached tools are usually covered under this policy. Any additional tools will require land marine insurance added to your general liability insurance.

Do I need commercial auto insurance to drive for a rideshare company, like Lyft or Uber?

No, you will not need commercial auto insurance if you are personally driving for Uber/Lyft or any ride-sharing company. In most cases, rideshare companies offer insurance coverage when you are driving for them. To make sure you are well protected, you can add an endorsement to your personal policy, which can add additional coverage when your vehicle is being used for any rideshare. If you are operating your vehicle for livery for hire services, you can get commercial auto insurance.

Do I need special insurance to deliver pizza or other goods for a fee?

Yes, most personal auto policies will not cover you if you are delivering for a fee and a loss happens. They may deny your claim if you are doing pizza delivery and any other delivery services with your personal auto. Please be sure to have commercial auto insurance when you are using your vehicle for work-related deliveries. You may be personally liable for any losses.

Does commercial auto insurance cover theft of personal items?

A commercial auto insurance policy only covers the vehicle and the permanent attached equipment to the vehicle. For the contents of the vehicle to be covered, you will need an inland marine policy endorsement added to your general liability policy. Examples of permanent fixtures are a ladder rack installed on your vehicle or a bed tool box.

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