Commercial Auto insurance for Vehicles That Work
Keep your business on the move
From a contractor pickup to a delivery van, business auto insurance protects vehicles used for work. Personal policies often exclude regular business use, so a commercial policy is the practical way to meet liability requirements and insure company-titled autos.
Coverage features that fit the job
Choose liability for at-fault accidents, collision and comprehensive for your vehicles, and medical payments where available. Add hired and non-owned auto when employees run errands in personal cars, and consider symbols and endorsements that match contracts. We can align limits with vendor requirements and issue certificates quickly.
From one vehicle to full fleets
Tate Insurance Group writes single vehicles and multi-truck schedules, helps with filings when needed, and reviews driver lists and safety practices that impact rates. If you haul tools or materials, we will discuss cargo or inland marine. For injuries to employees, pair your policy with workers comp and coordinate claims through one local team.
Ready For The Next Job
Common Questions About Commercial Auto Insurance
Can I use my personal auto policy for business?
Most personal policies exclude regular business use or vehicles titled to a company. A commercial policy is designed for work vehicles.
Does commercial auto cover employees using their own cars?
Not automatically. Add hired and non-owned liability so the business is protected when staff drive personal vehicles for work.
Do I need higher limits for contracts?
Many vendors request higher liability and specific wording. We tailor limits and provide certificates the same day when possible.
Is physical damage required?
Lenders require it on financed vehicles. Even if paid off, many owners keep it to protect their balance sheet.
How does this relate to other coverages?
Auto handles on-road risks. Premises and operations exposures are addressed by general liability, and injuries to employees by workers comp.
