Commercial · Auto & Fleet · WA · ID · OR · AZ
Commercial auto for one van or forty.
The coverage a personal auto policy won't pay when a vehicle is used for business. We write a single work truck or a full fleet — including the hired and non-owned auto that most owners forget.
What it covers
Coverage built for business driving.
Commercial auto covers the vehicles your business owns, rents, or uses for work. The key thing owners miss: a personal auto policy can deny a claim the moment a vehicle is used for business — and it never covers employees driving their own cars on your behalf.
Liability
Injuries and property damage you cause with a business vehicle — the core, and usually contract-required at set limits.
Get a quotePhysical damage
Collision and comprehensive for your own vehicles: theft, weather, vandalism, and crashes.
Get a quoteHired & non-owned auto
The coverage employers forget: employees driving rented or their own vehicles for business errands.
Get a quoteMedical payments
Medical costs for you and passengers after an accident, regardless of fault.
Get a quoteUninsured motorist
Protects you when the at-fault driver has no insurance or too little.
Get a quoteFleet management
One policy across many vehicles and drivers, with the limits your contracts and DOT rules require.
Get a quote· A market of A+ insurance companies
Who needs it
Anyone whose people drive for work.
Contractors, delivery and trades, food trucks, and any business whose employees drive for work — including personal cars used for business errands (that's the non-owned exposure). If a vehicle is part of how you operate, personal auto isn't enough.
What drives your price
- Vehicle type, value, and gross weight
- Radius and area of operation
- Driver motor-vehicle records (MVRs)
- Cargo carried and its value
- Coverage limits and deductible
- Garaging location (ZIP)
Personal Auto vs. Commercial Auto
| Scenario | Personal Auto | Commercial Auto |
|---|---|---|
| Driving for business | Often excluded — claim can be denied | Covered |
| Employees driving for you | Not covered | Covered (incl. hired & non-owned) |
| Higher contract limits | Rarely available | Standard |
Common mistakes we fix
- Relying on a personal auto policy for business driving — a denied claim waiting to happen.
- No hired-and-non-owned coverage for employees running errands in their own cars.
- Under-limiting liability below what a client contract or DOT rule requires.
- Forgetting to add a newly purchased vehicle promptly.
Go deeper
Related reading
Questions clients ask
Quick answers, no jargon.
Prefer to talk it through? A licensed advisor picks up: 206 · 363 · 1110.
- Usually yes. Personal auto policies often exclude business use and can deny a claim that happens while you're working. If driving is part of how you operate, commercial auto (or at least hired-and-non-owned) is the safe answer.
- Coverage for vehicles your business uses but doesn't own — rented vehicles and employees' personal cars used for business errands. It's the exposure owners most often forget, and it's inexpensive to add.
- It depends on vehicle type and weight, radius of operation, driver records, cargo, and limits. A single van looks very different from a regional fleet — we shop A+ carriers to find the right fit.
- Yes, through hired-and-non-owned auto. Without it, an accident an employee causes running a work errand in their own car can land on your business with no coverage.
- Many client and municipal contracts require $1M combined single limit or more, sometimes with specific endorsements. Send us the requirement and we'll match it.
- Physical-damage coverage handles the vehicle itself; tools and equipment inside are usually covered by an inland-marine or tools-and-equipment floater, which we can add alongside.