BUSINESS INSURANCE
Commercial Auto Insurance
Whether your business relies on one work truck or an entire fleet, Legacy can help you find commercial auto coverage designed to protect your vehicles, drivers, and operations on the road.
UNDERSTANDING YOUR COVERAGE
Protection That Goes Where Business Takes You
A commercial auto policy helps protect vehicles used for business and can provide coverage for liability, physical damage, and other risks arising from their operation.
What Commercial Auto Insurance May Cover
Liability Coverage - Bodily injury or property damage your driver causes to another person while operating a covered business vehicle.
Collision Coverage - Damage to a covered vehicle resulting from a collision with another vehicle or object.
Comprehensive Coverage - Certain non-collision losses, including theft, vandalism, fire, hail, falling objects, and animal strikes.
Uninsured and Underinsured Motorists - Certain losses caused by a driver who has no insurance or insufficient coverage.
Medical Payments - Certain medical expenses for covered drivers and passengers injured in an accident, regardless of fault.
Hired and Non-Owned Auto - Liability protection that may be added for rented vehicles or employees’ personal vehicles used for business purposes.
WHO NEEDS COMMERCIAL AUTO INSURANCE
Coverage Built for Vehicles at Work
If a vehicle is owned by a business or regularly used to perform business activities, a personal auto policy may not provide the protection you need.
Businesses that commonly need commercial auto coverage include:
Contractors and trades professionals
Delivery and transportation businesses
Retailers and service providers
Sales teams and mobile professionals
Restaurants offering delivery
Nonprofit organizations and schools
Property management and maintenance companies
Businesses whose employees run work-related errands
BEYOND THE VEHICLE
Commercial Auto Doesn’t Cover Everything
Commercial auto insurance protects against many vehicle-related risks, but your business may need additional policies to protect the people, property, and equipment involved in your operations.
Workers’ Compensation - Work-related injuries sustained by employees while driving or performing other job duties.
General Liability - Third-party injury or property damage claims not arising from the operation of a covered vehicle.
Cargo Coverage - Property belonging to customers or others while it is being transported.
Commercial Property - Vehicles do not provide coverage for your buildings, inventory, or property kept at a permanent location.
Umbrella Liability - Additional liability limits above certain underlying commercial policies.
Inland Marine - Tools, equipment, and other property transported or used away from your primary location.
GUIDANCE FROM LEGACY
Coverage That Keeps Your Business Moving
Vehicle type, ownership, driver history, travel radius, cargo, and daily use can all affect the coverage your business needs. Tell us a little about your operations, and a member of the Legacy team will contact you to discuss your commercial auto insurance options.
Coverage descriptions are provided for general informational purposes only. Actual coverage, limits, conditions, and exclusions vary by policy and insurer. The terms of the issued policy control in the event of a claim. Coverage cannot be bound, changed, or canceled through this website or by submitting an online form.