Personal auto policies exclude business use. Commercial Auto covers the vehicles your business owns and operates, plus the liability that follows your team onto the road.
What it covers
- Liability for owned business vehicles
- Physical damage — collision and comprehensive
- Hired & non-owned auto (HNOA) for leased or personal-use-for-work vehicles
- Medical payments and uninsured-motorist options
Who needs it
Required for owned business vehicles; strongly advised the moment employees drive for work in any vehicle.
Florida note
Commercial auto is one of the hardest-pricing lines right now — social inflation and nuclear verdicts have pushed umbrella up 5–30%. We pair the right primary limit with excess so you’re not the easy target in a Florida courtroom.