Why choose EMC

Even the best-trained drivers experience accidents. Boost your confidence on the road with our commercial auto insurance. Our team of industry-leading experts will actively identify blind spots in your coverage, ensuring you avoid being hit with unexpected expenses.

a truck driver signing something on a clipboard that is being held by a person in a hi-viz orange safety vest

What is commercial auto insurance?

Commercial auto insurance protects your business from financial liabilities resulting from accidents involving work vehicles. It covers a wide range of vehicles used by employees for business purposes, including trucks, vans, and utility vehicles used for transporting goods and services. Additionally, it extends to company-owned cars frequently used for deliveries or commuting to customer locations.

A woman with a folder standing in front of a commercial van

Do I need auto insurance for commercial vehicles?

Yes; if you’re using vehicles for business purposes, it’s important to have commercial auto insurance. Regular personal auto insurance typically doesn’t cover accidents that happen while using company vehicles. So to protect your business on the road, commercial auto insurance is necessary.

A close-up of a driver's hands holding on to a steering wheel of a truck

What does
commercial auto insurance cover?

Whether you’re running a small fleet or a large operation, we have the right insurance solutions to keep you protected. From trucks to vans, and everything in between, we understand your unique needs and have the coverage and endorsements to meet your needs.

Collision insurance
Protects your vehicle or equipment if it’s damaged in a collision with another object, or if it overturns.
Comprehensive
Covers damages from events like glass breakage, hitting a bird or animal, or falling objects or missiles.
Specified causes of loss
Protects your vehicle or equipment from losses due to fire, lightning, explosion, theft, windstorm, hail, earthquake, flood, mischief, or vandalism.
Towing and labor
Covers towing and labor expenses when your vehicle breaks down.
Auto medical payments insurance
This supplementary coverage provides reimbursement for medical expenses if you or your passengers are injured in an accident.
No-fault (personal injury) protection
This supplementary protection ensures coverage for medical expenses and other losses, regardless of fault, where available.
Uninsured and underinsured motorist coverage
This supplementary coverage offers protection if you’re in an accident caused by a driver without sufficient insurance to cover damages.
Liability coverage
Provides coverage for at-fault accidents involving insured vehicles used in business operations.

What’s not covered by commercial auto insurance?

Commercial auto insurance coverage can be expansive depending on your policy, but there are a few exclusions to be aware of:

  • Employee injuries while operating a company vehicle: Commercial auto insurance doesn’t cover hospital bills or lost wages for employees injured in car accidents; these are typically handled by workers’ compensation insurance.
  • Employee injuries in personal vehicles: Injuries and property damage caused by an employee on the clock but in their own personal vehicle are not covered by commercial auto insurance.
  • Intentional damage: Injuries or damage caused by vehicles on purpose are not covered.

A driver looking at their mobile device while stepping out of their vehicle

Frequently asked questions

Auto insurance for business typically costs more than personal auto coverage. However, commercial auto insurance protects multiple people and vehicles within your workplace, and often, there are more risks associated with business usage.

Commercial auto insurance costs can vary depending on your industry and the types of vehicles you own. Multiple other factors may come into play, including:

  • The size of fleet, miles driven, and how the vehicles are used in business operations
  • Driving records of those who may operate the vehicle
  • Type of coverage requested and the limits of insurance you choose
  • Claims history

Browse our driver and fleet safety resources to learn how to prevent losses and protect workers. Contact an EMC agent today to receive a personalized commercial auto insurance quote for your business and to see if there is an opportunity to cut costs on your coverage.

As a business owner, you might find yourself needing two types of auto insurance—one for your personal vehicles and another for your business wheels. Your personal auto policy protects your own cars and your family members driving them. A commercial auto policy covers the vehicles owned by your business and used mainly for work-related tasks.