Almost every business may face a loss due to owning, renting, using, loading or unloading a vehicle. A Commercial Auto Policy — business car insurance — can handle most operational needs, including trucking, garaging and transport services, along with other auto exposures. Coverage is flexible. It can be purchased as separate commercial car insurance or as part of a coverage package that also protects business property (buildings, equipment, furniture, etc.).


North Star
EMC Insurance Companies
Continental Western Group
Auto Owners Insurance
Philadelphia Insurance Companies
The Harford
The Cincinnati Insurance Company
Nationwide Insurance
UFG Insurance
Liberty Mutual Insurance


  • Liability coverage: If the covered vehicle is involved in an accident, a Business Auto Policy covers physical injury or property damage to other persons. This kind of policy includes costs for legal defense.
  • Comprehensive coverage: Except for collision, this coverage handles loss related to most any cause. Some BAPs offer a limited but affordable option, which protect against a set of specific causes, like fire, lightning, explosion and vandalism.
  • Collision insurance: This coverage helps remedy damages caused when the driver overturns the insured vehicle or crashes with another object.
  • Rental vehicle coverage: In the event an employee damages a rental car, business car insurance can often help reimburse the rental car company for damages and lost income while the vehicle is out of use.
  • Towing and labor costs for disabled vehicles

Typically a Commercial Auto Policy (or similar form) will not provide coverage for the following:

  • Any injury or damage you expected or intended
  • Responsibility for damage you assume under a contract
  • Losses that should be handled by a workers' compensation, disability benefits or unemployment compensation law
  • Bodily injury to an employee caused by a fellow employee
  • Damage to property that is in your care, custody and control
  • Any bodily injury or property damage that occurs because of pollution
  • Any loss that is related to racing, demolition or stunts
  • Vehicle wear and tear, including freezing malfunction, mechanical issues or electrical breakdown
  • Blowouts, punctures or road damage to tires
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