Commercial Auto Insurance
Protecting your business vehicles, drivers, and equipment on the road with competitive commercial policies.
When Do You Need a Commercial Auto Policy?
Using a vehicle for business operations usually requires a dedicated commercial auto policy. Personal auto insurance rarely covers business use. Factors like corporate ownership, hauling goods for hire, or a heavy gross vehicle weight automatically mean you need commercial-grade protection.
While some small work trucks can remain under personal lines in very specific situations, most commercial vehicles require separate handling. Because commercial auto insurance pricing is heavily subject to market competition, rates vary wildly between carriers. Our independent agents shop multiple insurance providers to secure the best possible pricing for your fleet.
Essential Vehicle Protection
Our commercial vehicle policies protect your business from costly road liabilities and physical damage, including:
Bodily Injury Liability: Pays for medical expenses and legal costs if one of your drivers causes an accident that injures someone else.
Property Damage Liability: Covers the repair or replacement costs for other vehicles or property damaged by your company vehicle.
Collision & Comprehensive: Protects your business vehicles against physical damage from road accidents, theft, vandalism, or weather events.
Uninsured Motorist Coverage: Secures your drivers and vehicles if they are struck by a motorist who carries no insurance or flees the scene.
The VRP Advantage
- Independent Local Agents
- Nearly 30 Years Experience
- Top-Rated Insurers Only
- Honest, Personalized Advice
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