Commercial Auto Insurance

You may be able to add certain optional coverages to your plan, such as auto loan or lease gap coverage, rental reimbursement, new vehicle replacement and more.

How Does Commercial Auto Insurance Apply to Your Business?

Your business may not have a fleet of cars or trucks, but that doesn’t mean you won’t need to use a vehicle while doing business. Maybe your employees need to use a company car, or even use their personal vehicles for business travel. A commercial auto insurance policy typically covers many things your personal auto insurance policy may not, like damage and/or injuries when your company is at fault and coverage for legal expenses. If you, your employees, or your passengers are injured in an accident, you can have coverage for associated medical bills.

Your individual auto insurance policy will indicate exactly who is covered and may only include coverage for employees driving vehicles you own.

If your business does have a fleet, we’ll protect it. Commercial auto insurance provides coverage for the cars, trucks, or other licensed vehicles owned or leased by your business, if they are damaged or destroyed by a covered cause of loss. It will also provide liability coverage for damage or injuries caused by your vehicles. Commercial auto insurance covers business-related transportation of goods or people, special coverage for heavy equipment and machinery, and offers higher liability limits than personal auto insurance. 

To keep your business moving and make sure you have all the coverage you need, call a local independent insurance agent today to get started. While you’re talking, ask about Selective’s value-added services like PaySync^®, Recall Alerts, and our Mobile App.

For more information on the types of business insurance solutions Selective Insurance offers, visit Insurance Coverages for Your Business.