One Agency. Multiple Insurance Companies.
Shopping for commercial auto insurance shouldn't mean calling company after company. As an independent insurance agency, Dear Insurance Agency can compare commercial auto coverage and pricing from multiple insurance companies for you.
More Options
We shop multiple insurance companies instead of offering commercial auto coverage from just one.
Business-Focused Service
Work with a real insurance professional who can help you understand coverage for your business vehicles and drivers.
Here When You Need Us
From adding vehicles or drivers to making changes to your policy, you'll have someone you can call.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance can help protect vehicles used for business and the people who drive them. Coverage varies by policy, but commonly includes:
Liability Coverage
Helps protect your business if you or an employee causes an accident that results in injuries or property damage.
Collision Coverage
Helps pay for damage to your business vehicle resulting from a collision with another vehicle or object.
Comprehensive Coverage
Helps cover certain non-collision losses such as theft, vandalism, hail, fire, or falling objects.
Uninsured & Underinsured Motorist
Can help protect you and your drivers when an accident is caused by someone who has little or no insurance.
Medical Payments / PIP
May help cover certain medical expenses for you and your passengers after a covered accident.
Hired & Non-Owned Auto
Can provide liability protection when your business uses rented vehicles or employees use their personal vehicles for business purposes.
What Can Affect the Cost of Commercial Auto Insurance?
Commercial auto insurance rates can vary significantly from one business to another. Insurance companies consider several factors when determining your coverage options and premium.
Your Vehicles
The type, value, age, and number of vehicles your business owns or uses can affect your insurance costs.
Your Drivers
Insurance companies may consider the number of drivers, their driving records, experience, and how the vehicles are used.
Your Business & Coverage
Your business operations, driving radius, annual mileage, coverage limits, claims history, and other underwriting factors can affect your premium.
Frequently Asked Questions About Commercial Auto Insurance
What does commercial auto insurance cover?
Commercial auto insurance can provide liability coverage and physical damage protection for vehicles used for business. Additional coverages may be available depending on your business and vehicles.
Do I need commercial auto insurance if I use my personal vehicle for business?
Personal auto policies may exclude or limit certain business uses. If you regularly use a personal vehicle for business, we can help determine whether commercial auto or another type of coverage may be appropriate.
Can employees drive my business vehicles?
Employees can often be covered as drivers on a commercial auto policy, subject to the insurance company's underwriting requirements and the terms of the policy.
How much does commercial auto insurance cost?
The cost depends on factors such as your vehicles, drivers, business operations, driving radius, mileage, coverage limits, and claims history. We can compare options from multiple insurance companies.