Insurance for the Vehicles that Keep your Business Working.
Contractors, Skilled Professionals, Shuttle Operators, Churches and Local Fleets: get a FREE COMMERCIAL AUTO INSURANCE QUOTE from a leading commercial insurer in minutes, by phone or online.
Calling connects you with a licensed insurance representative. Online quotes continue on the secure website of the carrier that’s best for you. No obligation to buy.
- Free, no-obligation quote
- Licensed representatives
- All 50 states
- Call or Click Today for Peace of Mind
- SERVICE VANSPlumbing, HVAC, Cleaning
- PICKUPSContractors, Electricians, Landscaping
- BOX TRUCKSDelivery, Moving, Hauling
- SHUTTLES & PASSENGER VANSChurches, Livery, Senior Care
What kind of business are you insuring?
Built for the small fleets that keep cities running
If your business owns or regularly uses two to nine vehicles for work, you’re who we built this page for.
Contractors & construction crews
Pickups, dump trucks, and crew cabs hauling tools, materials, and people between job sites.
Plumbing
Service vans and trucks loaded with parts and equipment, on the road all day.
Electrical & HVAC
Ladder-rack pickups and cargo vans for service calls and installs.
Landscaping & gardening
Trucks and trailers carrying mowers and equipment from yard to yard.
Shuttle & livery services
Shuttle vans, sedans, and limos operated by a business with two or more vehicles.
Local delivery & trucking
Box trucks, cargo vans, and straight trucks running routes in and around town.
Interstate trucking
Small for-hire and private carriers crossing state lines, including those with USDOT numbers.
Churches & nonprofits
Vans and buses for ministries, youth groups, and community programs.
Rideshare Driving for Uber, Lyft, or another app in your own car? Rideshare is usually covered by a rideshare add-on to a personal auto policy, not a commercial policy, so this page isn’t the right fit.
How it works
Call or start online
Tap to call and speak with a licensed representative, or continue to the carrier’s website to quote on your own.
Tell them about your fleet
Share your vehicles, drivers, and how your business uses them. It takes about as long as a coffee break.
Choose coverage and get insured
Review your price and coverage options. If it works for you, buy your policy and get proof of insurance from the carrier.
Coverage your fleet can carry
A commercial auto policy for 2-9 vehicles is built from a few core coverages, plus options matched to how your business drives.
- Liability
- Pays for injuries and property damage your drivers cause to others. Required in nearly every state, and often required by your clients and contracts.
- Collision
- Helps repair or replace your vehicle after an accident, regardless of fault.
- Comprehensive
- Covers theft, vandalism, fire, hail, flooding, and hitting an animal.
- Uninsured / underinsured motorist
- Protects your drivers and passengers when the other driver has little or no insurance.
- Medical payments / PIP
- Helps with medical bills for your driver and passengers after an accident, depending on your state.
- Hired & non-owned auto
- Covers liability when employees drive rented vehicles or their own cars on company business.
- Motor truck cargo
- Protects the goods or customer property you haul, important for trucking and delivery businesses.
- Roadside assistance & towing
- Helps with breakdowns, lockouts, jump-starts, and tows so your crew gets back to work.
Coverage options, limits, and availability vary by insurance carrier and state. Your quote will show exactly what’s included.
Why personal auto usually isn’t enough
Personal auto policies are written for commuting and errands. Many limit or exclude coverage when a vehicle is used for business, which can leave a claim unpaid. You likely need commercial auto if:
- The vehicle is titled or leased in your business’s name
- Employees drive it, or more than one person drives it for work
- It carries tools, equipment, materials, or goods for customers
- It transports people as part of your business
- Clients or contracts require proof of commercial liability limits
Have these handy for a faster quote
- Year, make, model, and VIN for each vehicle
- Names, birth dates, and license numbers for your drivers
- Where the vehicles are parked overnight
- How far they usually travel from your base
- USDOT or MC number, if you have one
- Your current policy’s declarations page, if you’re switching
Common questions
How much does commercial auto insurance cost?
It depends on the types of vehicles, how they’re used, how far they travel, where they’re garaged, your drivers’ records, and the limits and deductibles you choose. A pickup used for local estimates will cost far less to insure than a box truck running regional routes. The quickest way to know your price is to get a quote.
Can I put all of my vehicles on one policy?
Yes. Small fleets are typically insured on a single commercial auto policy, and you can add or remove vehicles and drivers as your business changes.
Do my employees need to be listed as drivers?
Usually, yes. Insurers generally want to know who regularly drives your vehicles. Ask your representative how drivers are rated and how to add new hires later.
I run a shuttle or livery service. Is that covered?
Businesses that transport passengers with two or more vehicles, such as shuttle, limo, and livery companies, can get commercial coverage. Individual rideshare drivers using personal cars generally need a rideshare endorsement on a personal policy instead.
My trucks cross state lines. Can I still get a quote?
Yes. Interstate carriers often need federal or state insurance filings tied to a USDOT or MC number. Many commercial insurers can handle those filings for you; mention it when you call or quote.
Who will I be talking to when I call?
Your call is connected to a licensed insurance representative who can quote and sell commercial auto coverage. This website is a free referral service. We don’t sell insurance ourselves.
Do you collect my personal information?
There are no forms on this site, and we don’t ask for your name, phone number, or business details. Like most websites, we use cookies for analytics and advertising measurement. Calls may be recorded by the call provider. See our Privacy Policy for details.
Ready to see what your fleet will cost to insure?
It’s free, there’s no obligation, and you can get a quote in minutes.