Types of Commercial Auto Insurance

Like personal auto insurance policies, commercial auto insurance policies are not “one-size fits all.” From a Florida catering company to a Texas landscaper, every business has different needs, and likely very different vehicles they’re looking to insure.

Any vehicle primarily used for business can typically be classified as commercial, not just vans, trucks, and utility vehicles. Accordingly, commercial policies tend to be highly customizable to meet the needs of the vehicle and the business—large or small, national or local. Here, we’ll provide you with helpful examples of how commercial auto insurance could be beneficial for different types of businesses, as well as the various types of commercial auto insurance coverage available.

Commercial Auto Insurance for Catering Vehicles

You pour your heart and soul into your food, and your customers can taste it in every bite. That’s why they keep coming back! If you specialize in event food service, buffet food service, or wedding food service (to name a few food businesses), it’s important that your vehicles or trucks be properly insured, so you can keep your customers satisfied and their plates full!

Many food service companies use cargo vans, delivery vans, or minivans to transport their tasty treats, and these vehicles have to be able to navigate many types of road conditions and situations. Between curvy mountain roads and tight city alleyways, food service vehicles could be damaged in a number of ways by road hazards, distracted party guests, other delivery vehicles, or by the natural surroundings at an event's location. A commercial policy’s comprehensive coverage could help pay for the damages to a catering vehicle, keeping the vehicle (and the caterer's brand) looking like-new!

Commercial Auto Insurance for Landscaping Vehicles

Raking, mowing, trimming, planting, digging, mulching—your work makes sure every backyard and garden you touch looks magazine-worthy! From daily lawn care to big landscaping projects, you never know what kind of tool your team may need. You rely on your fleet of landscaping trucks to haul mowers, hedge trimmers, shovels, and even a ladder or two.

Insurance companies know that landscapers and their employees tend to be exposed to many risks on a daily basis. Landscaping vehicles carry a large number of tools and are always on-the-go! Should something unfortunate occur out on the road or while at a job site that involves one of the company's vehicles, the resulting injuries or property damage could result in lawsuits or financial loss for the landscaping company. The coverage that comes with a commercial auto insurance policy could help protect the business from a distressing financial outcome.

Commercial Auto Insurance for a Trade-Related Vehicles

Craftsmen and women like electricians, carpenters, furnace and air conditioner technicians, and other tradesmen all drive utility vehicles that likely require the coverage offered by a commercial auto insurance policy. They use their vehicle to haul equipment, deliver orders, store parts, and more!

Work accidents happen, and those that are skilled at a particular trade or craft know that their livelihood depends on getting where they need to be, when they need to be there. Many electrical, plumbing, and similar problems simply can't wait! For instance, let's say an employee is involved in a minor fender bender in a neighborhood across town from their next appointment. They (and their work van) could be out of commission for an entire day, resulting in an unhappy customer and even lost business.

Commercial Auto Insurance Coverage

There are a variety of commercial auto insurance coverages available to your business and through Direct, you can insure up to 20 vehicles.

Liability insurance is the most basic insurance coverage. It covers injury or damage to other people's property, not yours, if you or one of your employees is at fault for an auto accident.

  • Bodily Injury and Property Damage
  • Property Damage Only
  • Hired Auto & Employer’s Non-Ownership Liability

Physical Damage
Physical damage coverage relates specifically to your vehicle.

  • Collision & Comprehensive
  • Fire & Theft with CAC

Other Common Coverages
Some businesses choose to elect a variety of the following additional coverages to help protect their business and their employees. Depending on your state's regulations, you may be required to include Personal Injury Protection and/or Uninsured/Underinsured Motorist coverage.

  • Personal Injury Protection
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Loss of Use Coverage
  • Towing & Labor Reimbursement Coverage
  • Permissive Use
  • Temporary Substitute Auto

Choose Direct for Great Coverage & Wide Acceptance

Whether you have two employees or twenty, your business and your livelihood are worth protecting! Commercial auto insurance through Direct can help you do so. Simply call us at 1-877-GO-DIRECT ( 1-877-463-4732 ) to get a free quote and get started today!

More Information

*Commercial auto insurance produced by Right Choice Insurance Agency, Inc. and Direct General Insurance Agency, Inc. d/b/a Direct Auto Insurance as agents for Titan Indemnity Company, a Nationwide Insurance Company & its affiliates. Not available in all stores. Pay plans, discounts and coverages subject to terms and conditions.