Human and Social Services Insurance
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Commercial auto insurance for human and social services organizations

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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

Every time your employees or volunteers get on the road, your small organization is exposed to high risks. Commercial auto insurance shields your business from the costs of an auto accident, which can skyrocket if someone is injured. It's required in most states for business-owned vehicles.

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 accident involving your business-owned vehicle. It also pays for theft and vehicle damage caused by weather events and vandalism.

Commercial auto insurance needs checklist infographic

Who needs commercial auto insurance?

Business-owned vehicles, such as a bus for an after-school youth program or a van for group home outings, must be covered by commercial auto insurance. State regulations determine how much coverage you need. At a minimum, your commercial auto insurance must meet your state’s liability insurance requirements.

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What coverage can commercial auto provide for human and social services organizations?

You can tailor your commercial auto insurance policy to match the needs of your senior center or other human and social services organization. Your policy may cover:

Legal expenses

If your organization 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 another driver, passengers, or bystanders, your policy can cover the cost of medical care.


Collision coverage pays for damage to a daycare center’s 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.

Personal vehicles may need additional coverage

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

Hired and non-owned auto insurance offers liability coverage for human and social services professionals who get into an accident while driving their own car on company business. It also covers leased and rented vehicles, such as a van leased for a group home outing.

Other policies for human and social services professionals to consider

While auto insurance is a must-have for small businesses that depend on a company car, van, or truck, it does not cover risks beyond those related to your vehicle. Human and social services professionals should also consider:

General liability insurance: This policy can cover expenses related to injuries and property damage to clients and other visitors to your social services organization.

Business owner's policy: A BOP bundles general liability insurance with commercial property insurance at a lower rate than if the policies were purchased separately.

Professional liability insurance: Also known as errors and omissions insurance or malpractice insurance, this policy can help cover legal expenses if your organization is sued for an alleged mistake or negligence.

Directors and officers insurance: D&O insurance protects your board members from legal expenses if they are sued for mismanagement of funds or other poor decisions.

Workers’ compensation insurance: Workers' comp is required in nearly every state for human and social services organizations with employees. This policy can cover medical costs for work injuries.

Get free quotes and buy a policy online with Insureon

Are you ready to safeguard your organization’s 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.

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Updated: April 29, 2022
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