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Commercial Auto Insurance

Backing your business is clutch

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Easy online commercial auto coverage protects you from dents, dings, tows and more, so you’re never in a jam.

underinsured-motorists

When another driver’s coverage won’t cover it.

Rental reimbursement

Get up to $100 per day if your car is in the shop.

Towing & labor

If you need a tow, we’ll pay for the pros.

Collisions & comprehensive coverage

Handle repairs and replacements fast.

Injuries

Covers legal fees, medical bills and more.

Property damage

Clipped a mailbox with your side mirror? We’ve got you.

Here’s everything you need to know about Commercial Auto insurance:

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What is Commercial Auto insurance?

Commercial auto insurance is essential to protect your business from unexpected expenses if you or your employees are involved in an accident. 

Whether you have a single work truck or a small fleet of delivery vehicles, your commercial car insurance policy can provide coverage up to your policy limit for: 

  • Expenses for claims related to emergency care
  • Medical bills
  • Property damage
  • Damage to your vehicle
  • Legal fees
  • Gap coverage on financed and leased vehicles

When you purchase a new policy with Next Insurance, you can upgrade it to include hired and non-owned auto insurance. This coverage provides extra protection when you or an employee use rented vehicles or if an employee sometimes uses a personal vehicle for work. 

Learn more about HNOA insurance.

Personal auto vs. business auto insurance

Perhaps you already have a personal auto insurance policy. Nice. But it probably won’t cover accidents that happen while you are driving for your business.

If you use your vehicle for work, you may need a business auto insurance policy if you:

  • Deliver any goods, including pizza, flowers or other products
  • Provide a service that involves regularly using a vehicle
  • Carry equipment you use for work, such as cleaning or landscaping tools
  • Go to job sites

Why is Commercial Auto insurance important?

Whether your vehicle is essential for your daily operations or something you only occasionally use for work, you need an auto insurance policy customized for your business

You may be required by law to have commercial auto insurance

Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage. The most common state requirements are liability insurance for injuries and property damage

Some states also require uninsured/underinsured motorists coverage and medical payments coverage (also known as personal injury protection). 

The types of vehicles your business is using, how they are being used and who is using them will determine the specifics of what kind of insurance you need. 

Business car insurance can provide more coverage

If you’re like most business owners, the separation between work and home is probably blurred. 

Even if you only have one car for all your transportation needs, you’re exposed to different risks when you drive for business than you are when you drive personal reasons. You may need the more extensive coverage that is provided in a commercial auto policy. 

If you have employees that operate your cars, your commercial auto insurance policy can also cover them up to the limits of the policy

Commercial auto insurance can help you attract customers

Commercial auto insurance is essential for your customers, too. Having the right car insurance demonstrates that your business is prepared for the unexpected. You know that things don’t always go exactly to plan, but your customers can be confident they’ll receive the same reliable service. 

Some customers might require you to have a certificate of insurance before they agree to work with you.

What does Commercial Auto cover?

Commercial auto insurance helps cover injuries and damages resulting from work-related car accidents. Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage.

Commercial auto can help pay for:

  • Medical expenses
  • Property damage
  • Underinsured motorists
  • Collision repairs
  • Rental reimbursement
  • Towing

Learn more about what commercial auto insurance covers.

How much does Commercial Auto insurance cost?

Auto insurance can range from $750 to $3,000 per year, depending on your insurance history, the number of vehicles you own, vehicle type and usage. 

The best way to find out how much a policy will cost for your business is to get a free commercial auto insurance quote online. You’ll just need to answer a few questions to get your quote in under 10 minutes with us.

Common factors that influence the price of a policy include your claims and insurance history, the number of cars your business is insuring, the vehicle type, and how you plan to use the vehicle.

We offer affordable prices and monthly payment options that can be cancelled at any time with no additional fees. Our online claims filing service is accessible whenever and wherever you need it, with support from our licensed insurance advisors.

Start your free instant quote online today.

How do I get Commercial Auto insurance?

With Next Insurance, you can purchase commercial auto coverage online and get your certificate of insurance in less than 10 minutes. 

Start an instant quote to see options for your business. Here’s how the process works:

We’ll ask you some basic questions about your business and operations, including: 

  • Your industry
  • Where you do business
  • How many years you have owned the business
  • How many vehicles you need to insure
  • The number of drivers you need to cover
  • You driver’s license
  • Expected annual revenue
  • Recent insurance and claims history

After you share your information, you’ll have instant access to a customized online quote for commercial auto insurance and other recommended coverage. 

If you like what you see, you can adjust the package limits and make your purchase. Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance.

Start a free instant quote today.

More frequently asked questions

Learn about commercial auto insurance with more frequently asked questions about our coverage. If you don’t find find the answers you’re looking for, our licensed insurance advisors are standing by to help.

Read more frequently asked questions about commercial auto insurance.

There’s a lot to love about NEXT

Business insurance in less than 10 minutes

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Tailored business insurance

Unique, flexible coverage with easy monthly payments

Online business insurance

Do it all 100% online or talk to a licensed U.S.-based advisor

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Certificate of Insurance

Need a fast certificate of insurance?

Get covered in just a few clicks and have your COI in hand. Get Instant Quote

Let’s find the coverage you need for your business

Business insurance is divided into different policies. We offer seven types so it's easy to get the coverage that fits your business.

General Liability Insurance General Liability

Protect yourself from accidents that cause physical injury or damaged property.

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Professional Liability or Error and Omissions Insurance Professional Liability/E&O

Shield yourself from lawsuits that claim your work errors caused financial losses.

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Workers' Compensation Insurance Workers' Compensation

Cover medical bills and lost wages if your employees have an accident at work.

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Commercial Auto Insurance Commercial Auto

Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.

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Tools & Equipment Insurance Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

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Commercial Property Insurance Commercial Property

Keep your building, inventory and equipment protected from fire, flood or water damage.

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Business Owner’s Policy Insurance Business Owner’s Policy

Combine general liability and commercial property into one policy to protect your business.

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