Liability coverage for bodily injury and property damage
Liability coverage for bodily injury and property damage
Commercial Auto Insurance to Keep Your Fleet Moving
Protect company vehicles, employee drivers, and your bottom line. We compare commercial auto policies from multiple carriers to find the best rates and coverage for your fleet.
What's covered
What does commercial auto insurance cover?
Commercial auto insurance protects your business when company-owned or employee-operated vehicles are involved in accidents, theft, or damage. It covers costs that personal auto policies specifically exclude.
Collision coverage for vehicle damage in accidents
Collision coverage for vehicle damage in accidents
Comprehensive coverage for theft, weather, and vandalism
Comprehensive coverage for theft, weather, and vandalism
Uninsured and underinsured motorist protection
Uninsured and underinsured motorist protection
Medical payments for driver and passenger injuries
Medical payments for driver and passenger injuries
Hired and non-owned auto (HNOA) liability
Hired and non-owned auto (HNOA) liability
Who needs it
Who needs commercial auto insurance?
Any business that owns, leases, or uses vehicles for work purposes needs commercial auto insurance. Personal auto policies exclude business use, leaving your company financially exposed.
- Delivery and courier services — Frequent stops, tight delivery windows, and heavy time on the road create constant accident exposure.
- Contractors and tradespeople — Work trucks, vans, and trailers carry crews, tools, and materials between job sites every day.
- Sales teams visiting clients — Regular client travel can leave your business exposed even when employees drive personal vehicles for work.
- Transportation and trucking companies — Businesses that move goods or passengers depend on higher limits and fleet-specific commercial auto protection.
- Landscaping and cleaning services — These operations rely on service vehicles hauling equipment, supplies, and employees to multiple locations daily.
- Any business with employees driving for work — If staff run errands, visit job sites, or meet clients on company time, your business can be pulled into an auto claim.
Why Ashmont Insurance Agency
The smarter way to buy commercial auto insurance
Our platform removes the guesswork from finding the right coverage at the right price.
Instant comparison
Our platform analyzes your business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your coverage, answer questions, and help you make the right decisions for your business.
Industries We Serve
Commercial auto insurance for vehicle-dependent businesses
If your business puts employees on the road, we find the right commercial auto policy to protect your fleet and your finances.
FAQ
Commercial auto insurance questions
Have more questions? Our licensed advisors are available by phone, email, or chat.
Commercial auto insurance covers liability for accidents involving company vehicles, collision damage, comprehensive coverage for theft and weather damage, uninsured/underinsured motorist protection, medical payments, and hired and non-owned auto liability for employees using personal vehicles for work.
Personal auto insurance covers vehicles used for personal purposes only. Commercial auto insurance covers vehicles owned by or used for business operations, including company cars, trucks, vans, and fleets. Commercial policies typically offer higher liability limits and cover multiple drivers and vehicle types.
Yes. If employees use personal vehicles for business errands, deliveries, or client visits, you need hired and non-owned auto (HNOA) coverage. Personal auto policies exclude business use, leaving your company exposed to liability if an employee causes an accident while working.
Yes. Most carriers offer fleet discounts for businesses insuring multiple vehicles. We identify the best fleet pricing across multiple carriers, and bundling commercial auto with other business policies can unlock additional multi-policy discounts.
Commercial auto insurance typically costs between $1,200 and $3,600 per vehicle per year, depending on vehicle type, driver records, industry, coverage limits, and deductibles. We compare rates from multiple carriers to find the most competitive pricing for your fleet.
Many do. Businesses with fleets, heavy road exposure, or contract-driven insurance requirements often add umbrella or excess liability so a catastrophic auto loss does not stop at the primary commercial auto limit.
Get the best rate for your fleet
Compare commercial auto policies from multiple carriers in minutes. No obligations, no runaround.