Coverage That Keeps Business Moving
Commercial Auto Insurance for Michigan Businesses
Commercial auto insurance helps protect the vehicles, drivers, and operations your company depends on every day. We help Michigan businesses compare practical coverage options without leaving dangerous gaps.
Business Vehicle Protection
Liability for Serious Accidents
Coverage for Employees and Drivers
Guidance for Complex Fleets
Drive Your Business Forward with Reliable Commercial Auto Insurance
Did you know that if you are using a Personal Auto for business use, the policy may be null and void? Also if you insure, your personally owned vehicle on a commercial auto policy without a lease agreement, you could also have coverage issues. Commercial Auto Insurance, also referred to as Business Auto insurance, is probably the most important coverage for some companies. It is meant to insure vehicles owned and used in the day-to-day operations of a business. There may also be coverage gaps for individuals who have all their vehicles covered under commercial policies, but none on a Personal Auto Policy. To avoid coverage gaps, it is beneficial to work with a knowledgeable agent for both your personal and commercial insurance needs.
When a company entrusts an employee with one of their vehicles, they are taking a great risk. Our society is a litigious one, and when someone gets hit by a truck with your business name on it, you will want to be sure you have the right protection to keep your business from losing its assets. There are many moving parts to Commercial auto coverage and several ways to insure your company’s risk within the Commercial Auto policy, including Drive Other Car, Hired Auto, Non-Owned, Auto, Additional Equipment Coverage, as well as the coverages typical of a personal auto policy. Some of the types of businesses we have experience assisting include:
- Freight and Expediting Operations
- Plumbers
- Electricians
- Painters
- HVAC Contractors
- Landscaper/Lawn Maintenance
- Snow Plow Operations
- Janitorial/Cleaning Services
- Delivery Services
- Outside Sales
- Route Drivers
- Towing/Emergency Services
- Funeral services
- Food Trucks
- Concrete and Asphalt
- Farm & Livestock Hauling
- Dump Trucks – Dirt, Sand, & Gravel
- Garbage Trucks
- Roofing, Siding, and Sheet Metal
We can assist with anything from Owner operators to Fleets. Don’t see your business on the list? These are just a few of the businesses we can assist in Michigan, Nevada, Ohio, or Florida. Get in touch with us today to schedule one of our licensed agents to assist your business in shopping the market to see if we can help your business.
Let us Shop our list of Preferred Carriers, to find the best coverage at a price you can afford.
Commercial Auto Insurance Built Around Your Operations
Commercial auto insurance is designed for vehicles that are owned, leased, hired, or regularly used by a business. A personal auto policy may exclude or limit coverage when a vehicle is used for deliveries, service calls, transporting equipment, visiting job sites, or other commercial activity. Matching the policy to the way each vehicle is actually used is essential.
A strong commercial auto insurance plan can combine bodily injury and property damage liability with comprehensive, collision, uninsured motorist, medical, hired-auto, and non-owned-auto coverage. The right combination depends on who drives, where vehicles travel, what they carry, and whether employees use personal vehicles for company business.
Our independent agents compare options from multiple insurance carriers and help explain the tradeoffs between deductibles, limits, endorsements, and driver requirements. We can also coordinate your commercial auto policy with general liability, umbrella, workers compensation, and commercial property coverage.
Learn more from the Customers First team or review additional guidance from the Michigan Department of Insurance and Financial Services.
What to Review Before Choosing Commercial Auto Insurance
- Every owned, leased, hired, and employee-used vehicle
- Driver eligibility and motor vehicle record requirements
- Liability limits that reflect the size of your business risk
- Physical damage deductibles and equipment permanently attached to vehicles
Common Commercial Auto Insurance Questions
Does a personal auto policy cover business use?
Not always. Many personal policies restrict deliveries, transporting customers, regular business use, or vehicles titled to a company. Commercial auto insurance is often the appropriate solution.
What is hired and non-owned auto coverage?
Hired auto can address certain vehicles a business rents or borrows. Non-owned auto can address liability arising when employees use personal vehicles for company business.
How much commercial auto liability coverage should I carry?
The answer depends on vehicle type, travel radius, contracts, cargo, driver activity, and the potential severity of an accident. We help evaluate those exposures before recommending limits.
Can one policy cover a fleet and specialized vehicles?
Often, yes. Policy structure depends on vehicle classes, ownership, use, and carrier appetite. Specialized equipment may require additional endorsements.
Review Your Commercial Auto Coverage
Talk with a licensed agent about coverage, limits, options, and next steps.