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Commercial Auto Insurance

Backing your business is clutch

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.

What is commercial auto insurance

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
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Why is it important

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.

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What does it cover

What does Commercial Auto cover?

Commercial auto insurance can help pay for expenses related to everything from injuries, property damage and collisions to underinsured motorists, rentals and towing. 

 

Cookie-cutter commercial auto insurance coverage is just about as ridiculous as it sounds. You have specific needs unique to your business, and your car insurance should be customized to the risk you face while driving. Policies typically cover:

 

Injuries

The bodily injury section of your commercial auto policy covers physical injury to someone who is not in your vehicle up to your policy limit. If you or an employee gets into a car accident while on the job and someone is injured, you or your business want to be protected. 

 

If you have commercial auto insurance, your policy can cover legal fees, and medical bills, recovery time, and more, within your coverage limit. 

 

Property damage

If your business vehicle damages someone’s personal property, your insurance can pay for repairs or a replacement up to your policy limit.

 

Coverage includes legal fees and some other expenses you never saw coming, like that fancy mailbox you clipped with your side-view mirror. 

Personal injury

In this case, “personal injury” refers to you and your employees. If you, an employee or other occupants of your vehicles are injured in an accident, your commercial auto policy can cover the related expenses up to your policy limit.

Collision coverage

You rely on your vehicles to work, so it’s crucial for your business that your auto insurance covers collisions. Your commercial auto insurance can pay for repairs or replacement vehicles if your car or truck is involved in a crash. 

 

The right commercial car insurance can pay for a speedy repair or replacement, up to the actual cash value of your vehicle at the time loss, so you don’t have to lose another day on the job.

 

Comprehensive coverage

Comprehensive commercial auto insurance coverage could help you repair or replace your vehicle after a theft, vandalism, or weather-related damage. 

 

While you can prevent a lot of mishaps by being careful and cautious, there are some that you just can’t anticipate — like a tree in the office parking lot falling on your car or a break-in outside your yoga studio. 

 

Just be sure to read your policy details carefully to find out exactly what your commercial auto insurance does and doesn’t cover. 

 

Underinsured motorists

Another driver hits you and totals your truck. It gets worse. They don’t have enough coverage to replace it and cover your medical bills. Your commercial auto policy with Next Insurance covers uninsured or underinsured motorists up to your policy limit.

Rental reimbursement

Your car is in the shop after an accident and you have to rent a car to get around. Your commercial auto insurance covers your rental for up to $100 per day for up to 30 days if you purchase our “pro” or “pro plus” package. 

Towing and labor reimbursement

While on the way to a worksite, your vehicle overheats and it needs to be towed to a shop. Your commercial auto policy will reimburse towing expenses up to $200.

Add Hired and Non-Owned Auto coverage for more protection

When you purchase hired and non-owned auto (HNOA) coverage with a new commercial auto insurance policy, you get extra protection for rented vehicles and coverage when an employee occasionally uses a personal vehicle for work. 

 

This upgrade can help pay for expenses after an accident if someone other than an employee is injured or someone else’s property is damaged. Learn more about HNOA insurance.

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what doesn't it cover

What is not covered by Commercial Auto insurance?

Our auto policies don’t cover passenger transportation businesses, vehicles with more than two axles, food trucks or drivers under 18 years old. 

 

Next Insurance commercial auto policies don’t cover:

 

  • Passenger transportation businesses (a.k.a. livery of passengers), such as taxis, limo, Uber and Lyft. Note: We do cover app-based food delivery services. 
  • Vehicles with more than two axles
  • Drivers under 18 years of age
  • Food trucks

 

Also, every insurance policy, regardless of where you purchase it, has exclusions — that’s insurance talk for incidents that won’t be covered. 

 

You don’t want to be surprised by what your commercial auto insurance doesn’t cover. Review the particulars of your coverage before an accident happens to make sure you have the right insurance for your needs. 

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How much does it cost?

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 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.

 

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How to get insured

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 insurance quote for general liability 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.

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There’s a lot to love about Next:

Get insurance in less than 10 minutes and save up to 30%

Unique, flexible coverage with easy monthly payments

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

Find the coverage you need, all in one place

With Next Insurance, you’ll find tailored coverage to fit your small business needs. Plus, save up to 10% when you sign up for more than one policy. Win-win. (Note: Coverage and discount eligibility varies from state to state.)