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Commercial auto insurance for small business

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.


Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

business auto insurance

Customized coverage to match your business


​Selecting commercial vehicle insurance coverage that meets your specific needs is vital to protecting your business and income. A commercial auto insurance quote typically includes:

  • Liability

  • Physical Damage

  • Medical Payments

  • Uninsured Motorist

    • Hired Auto
    • Non-Owned Coverage

    • Any Auto

    Depending upon your policy provider you can also adjust your policy to reflect seasonal changes to keep your rates low and your coverage steady.

    We can also help you find special benefits including customized coverages, competitive rates, discounts, exceptional claims service and more. Commercial Auto insurance covers:

    Business autos

    Includes cars, light trucks, SUVs, vans and more. 


    From dump trucks to tractor trailers, we have the experience you're looking for. 


    We cover a wide range of commercial trailers ranging from pickup truck utility trailers to large dump body trailers pulled by a tractor.

    What does Commercial Auto Insurance cover? 


    • Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. 

    • Property damage liability coverage – provides you with protection if your car accidentally damages another persons property. It also provides you with a legal defense. 

    • Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several. 

    • Medical payments, no-fault or Personal Injury Coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault. 

    • Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance. 

    • Comprehensive physical damage coverage – pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.

    • Collision coverage – pays for damage to your car when it hits or is hit by another object.

    Most Commercial auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.

    No-nonsense coverage from MIAFS

    Save Time

    You can get a quote by answering a few questions online, by phone, chat, or email.

    Save Money

    We'll do the shopping for you so you can be sure you've got the right price.


    Our team of insurance experts know the ins and outs of commercial auto.



    We listen closely and design the plan suited to your needs.

    You have options

    As your Independent Insurance Agency, we have connections with some of the top rated insurance companies which allows us to find competitive rates and the right coverage for your business needs.

    We're not bound to a single insurance carrier, we represent you and your specific needs. 

    Our team of in-house specialists are experts at helping small business owners, like you, find the right insurance coverage. They’ll help you get a quote with the best coverage for your specific business and budget.

    commercial auto insurance
    fleet insurance

    Start protecting your business today

    Or call 866-921-6095

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