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Commercial auto insurance for auto services and dealers

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Commercial auto insurance

Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident.

Commercial auto insurance protects the vehicles you depend on

In the automotive industry, it’s likely that your employees are among the safest drivers on the road. However, they spend a lot of time driving – and contending with other drivers.

An auto accident could cost your small business thousands of dollars, especially if another person is injured. Compare that to the cost of commercial auto insurance for automotive businesses, and it’s easy to see that insurance is the better deal.

How does commercial auto insurance protect you?

Commercial auto insurance helps cover the cost of potential lawsuits, property damage, medical bills, and other expenses arising from an auto accident. It also pays for vehicle theft, vandalism, and weather damage.

Your policy can be tailored to match your business. For instance, an auto service truck that is seldom used may need less coverage than a dealership’s car that is driven daily.

Commercial auto insurance needs checklist infographic

Who needs commercial auto insurance?

Company-owned vehicles, such as a truck owned by a mobile mechanic or repair shop, must be covered by commercial auto insurance.

You may need commercial auto insurance if you:

  • Operate an auto service vehicle
  • Transport equipment and tools
  • Send employees on errands during work hours

State regulations determine how much coverage you need. Your commercial auto insurance must meet your state’s liability insurance requirements.

What coverage can commercial auto provide for automotive businesses?

You can customize your commercial auto insurance policy to match the needs of your auto service business or dealership. Your policy may cover:

Legal expenses

If your gas station, dealership, or other auto service business is sued over an accident, legal defense fees can add up quickly. You could also end up having to pay a settlement or court-ordered judgment.

Medical expenses

If an accident injures the driver of your auto service truck or dealership van, or any passengers, your policy can cover the cost of medical care.

Collision

Collision coverage pays for damage to a mobile mechanic van or other work vehicle, regardless of who is at fault.

Uninsured motorists

This coverage pays for damage caused by drivers who don’t have insurance.

Non-collision damages

Comprehensive insurance covers non-collision damages, including vandalism, theft, and fire.

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Personal vehicles may need additional coverage

Commercial auto insurance only covers business-owned vehicles, but sometimes employees drive their own cars for business errands. Personal auto policies almost always exclude coverage for business use.

Hired and non-owned auto insurance provides liability coverage for automotive employees who get into an accident while driving a personal vehicle to conduct company business. It also covers leased and rented vehicles.

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Other important policies for automotive companies

Commercial auto insurance is crucial for small businesses that own a truck or other vehicle, but it's not the only policy you need. Automotive business owners should also consider:

General liability insurance: This policy can pay legal expenses related to customer property damage and injuries, along with advertising injuries such as slander.

Business owner’s policy: A BOP combines general liability coverage and commercial property insurance, usually at a lower rate than if the policies were purchased separately.

Workers’ compensation insurance: Workers’ comp covers medical expenses for work-related injuries and illnesses. Almost every state requires it for businesses with employees.

Cyber liability insurance: This policy helps automotive businesses recover from cyberattacks and data breaches. It's recommended for any business that stores credit card numbers or other personal information.

Commercial umbrella insurance: An umbrella policy boosts the limits on your other liability policies, such as general liability, commercial auto, and employer's liability insurance.

Garage keepers insurance: This policy provides coverage in the event that a customer’s vehicle is damaged or stolen while in your care. It's recommended for any auto business that services or stores vehicles.

Get free quotes and compare policies with Insureon

Are you ready to safeguard your auto service or dealership vehicle with commercial auto insurance? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.

Updated: December 21, 2022
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