Commercial Auto Insurance
Keep Your Business Moving Forward
Your commercial vehicles and the employees who drive them are essential to your operations. Whether it’s local deliveries, service calls, or cross-country trips, your fleet keeps business running — but every mile comes with risk. Accidents, damage, or liability claims can put both your vehicles and your bottom line in jeopardy.
That’s why Commercial Auto Insurance from Garrett Insurance Agency, LLC is designed to safeguard your drivers, your vehicles, and your business from costly setbacks.
What Commercial Auto Insurance Covers
Every business has different needs, which is why we work with you one-on-one to build a customized policy. Coverage may include:
Bodily Injury Liability
Covers costs related to injuries caused by your drivers.
Medical Payments
Provides coverage for medical expenses after an accident.
Personal Injury Protection (PIP)
Covers medical costs and lost wages regardless of fault.
Uninsured/
Underinsured Motorist Coverage
Protects your business when the at-fault driver has little or no insurance.
Comprehensive Coverage
Protection against theft, fire, vandalism, or weather damage.
Collision Coverage
Pays for repairs or replacement of your vehicles after an accident.
GAP Coverage
Covers the difference between a vehicle’s value and loan balance after a total loss.
Optional Coverage
For example, Bailee Coverage, which insures goods in your company’s care, custody, or control (such as products on a delivery truck or semi).
Why Commercial Auto Insurance Matters
Even a minor accident can lead to major expenses — from repair bills to lawsuits. With a well-structured Commercial Auto policy, you can:
- Protect your vehicles, products, and drivers from unexpected losses
- Reduce exposure to costly liability claims
- Gain peace of mind knowing your fleet is covered wherever business takes you
Customized Coverage for Your Business
Since coverage needs vary by industry, fleet size, and risk exposure, it’s important to work with an insurance advisor who understands your business. At Garrett Insurance Agency, LLC, our specialists will help you determine the right level of protection so your business stays on the road — and on track.
Protect Your Fleet Today
Your vehicles are more than just transportation — they’re the lifeline of your business. Make sure they’re protected with a customized Commercial Auto policy from Garrett Insurance.
Contact Garrett Insurance Agency, LLC today to discuss your options and request a personalized quote.
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Frequently Asked Questions
What does Commercial Auto Insurance cover?
Commercial Auto Insurance covers vehicles used for business purposes, providing protection for liability, physical damage, and medical expenses. Liability coverage pays for bodily injury and property damage you cause to others in an accident. Physical damage coverage includes collision (damage from accidents) and comprehensive (damage from theft, vandalism, fire, weather, or other non-collision events). The policy also typically covers medical payments for injuries to you and your passengers, uninsured/underinsured motorist coverage, and in some cases, rental reimbursement if your vehicle is being repaired. Coverage applies to owned vehicles, leased vehicles, and in some cases hired or borrowed vehicles used for business. Commercial auto policies are designed to handle higher liability limits and specialized business uses that personal auto policies exclude.
What's the difference between Personal and Commercial Auto Insurance?
Personal Auto Insurance covers vehicles used primarily for personal activities like commuting, errands, and leisure. Commercial Auto Insurance covers vehicles used for business purposes such as transporting goods, equipment, or passengers for hire, or traveling to multiple job sites. Key differences include coverage limits—commercial policies typically offer higher liability limits ($1 million+) versus personal policies ($100,000-$300,000). Commercial policies cover business uses that personal policies specifically exclude, such as delivering products, hauling equipment, or using vehicles with business signage. Commercial auto also covers additional drivers like employees operating company vehicles. If you use your personal vehicle regularly for business and have an accident during business use, your personal auto policy may deny the claim. Even part-time business use often requires commercial coverage to avoid coverage gaps.
Do I need Commercial Auto Insurance if employees drive their own cars for work?
Yes, you should consider Hired and Non-Owned Auto Liability coverage even if your business doesn’t own vehicles. This coverage protects your business when employees use their personal vehicles for work-related tasks like running errands, making deliveries, attending client meetings, or traveling between job sites. If an employee causes an accident while on company business, the injured party may sue both the employee and your business. The employee’s personal auto insurance provides primary coverage, but it may have low limits that don’t fully cover damages—Hired and Non-Owned coverage provides excess liability protection above the employee’s personal policy. This coverage is relatively inexpensive and essential for businesses whose employees regularly drive for work, including sales teams, service technicians, delivery personnel, or anyone making client visits.
OUR PROMISE TO YOU
- We will provide customized solutions and personalized products based on your needs.
- We will be available to you any time so getting important information will be easy for you.
- We will manage your risk as well as any claims that you file.
- We will ease your worry and protect your treasures by transferring identified risks to an insurance product, all the while keeping it simple to understand for you.
We welcome an opportunity to discuss your home insurance needs, so please contact us or give us a call. You can also request a quote if you’re ready to get started.