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Commercial Auto Insurance
Coverage for the Vehicles That Do the Work
Whether it's one pickup running supplies or a fleet of delivery vans, vehicles used for business need commercial auto insurance — personal auto policies typically exclude business use, and finding that out after an accident is expensive.
What Commercial Auto May Cover
- Liability — injuries and property damage your drivers cause (required by Alabama law)
- Collision — damage to your vehicle from an accident
- Comprehensive — theft, vandalism, hail, fire, animal strikes
- Medical payments / uninsured motorist — protection when the other driver has little or no insurance
- Hired and non-owned auto — when employees drive personal or rented vehicles for work
Who Needs It
Any business that owns, leases, or regularly uses vehicles: contractors, delivery operations, food service, auto repair shops (see also garage keepers coverage), property managers, and any company whose employees drive between job sites or make bank runs.
FAQ
If it's used for business — hauling supplies, deliveries, job sites — your personal policy likely excludes those claims. We'll review how each vehicle is used and place it correctly.
Alabama requires 25/50/25 ($25,000 per person / $50,000 per accident bodily injury / $25,000 property damage). For a business, minimums are rarely enough — one serious accident can exceed them many times over. Most businesses carry $500,000 to $1 million combined single limit.
It protects the business when employees use personal cars for errands or when you rent vehicles. If your employee causes an accident on a supply run, the injured party can sue your business — this coverage responds.
Usually, because limits are higher and business use means more miles and exposure. Clean driving records, higher deductibles, and fleet safety practices bring pricing down — and we shop it across multiple carriers.
Yes, significantly. Carriers review all listed drivers' records. Screening new hires' MVRs before they drive for you protects both your people and your premium.
Common and fine — the policy just needs to reflect it. Commercial policies cover personal use by listed drivers; the reverse is not true.
