Commercial Auto Insurance
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What is commercial auto insurance?

Commercial auto insurance covers you and your employees when you are driving a car or other vehicle for business purposes and are involved in an accident. Personal car insurance typically won’t cover accidents that happen while working, even if you’re driving your own car.

Learn more about the differences between commercial auto insurance and personal auto insurance and why small businesses need commercial auto insurance coverage.

What does commercial auto insurance cover?

Commercial auto insurance will pay for injuries, car repairs and replacement of totaled vehicles if you or someone who works for you is involved in an accident while driving for business reasons. It covers both company owned and personal vehicles. Personal cars are not covered by personal auto policies if you or somone who works for you has an accident while driving for business reasons. Cars, trucks, vans and other vehicles can be protected by a policy.

Who needs commercial auto insurance coverage?

Businesses that own vehicles, including this like cars, trucks and vans, and ones that have employees who drive personal vehicles for work related reasons need this coverage.

How much does commercial auto insurance cost?

Coverage is based on many factors including the number and types of vehicles being covered, their value and age, your driving record and those of the people who work for you, and other factors impact your cost of coverage.

See more at how much commercial auto insurance costs small businesses in different states

Why buy commercial auto insurance from BravoPolicy?

Great question! Here are three good reasons:

  1. You’ll probably pay less for your commercial auto insurance with BravoPolicy. Our customers save 20% on average. 
  2. We can get your small business covered in about 10-15 minutes. 
  3. You can manage all of your business insurance needs through our online portal. No paperwork needed. No need to wait on the phone for hours to speak to customer service.  

Commercial auto insurance FAQs

The answer is likely yes, because even a single accident that happens while driving for business could end up costing you a lot if you have to pay for medical expenses related to injuries or to repair or replace a vehicle damaged or totaled in an accident.

Insurance companies take a hard line on using personal vehicles for business reasons. If you’re ever in an accident while you’re driving for business and don’t have commercial auto coverage, it’s highly likely you will have to pay for damages out of pocket.

Commercial auto insurance can cover personal autos drive for business reasons, along with cars, trucks, vans and other vehicles owned by businesses.

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