# Commercial Auto Insurance | Supersure

> Supersure helps businesses get commercial auto insurance covering liability, collision, and vehicle damage for fleets, deliveries, and work-related driving.

Canonical: https://www.supersure.com/business-insurance-coverage/commercial-auto

From daily deliveries to jobsite travel, commercial auto insurance can help your business 
manage costs from covered auto accidents, claims, or vehicle damage.

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Commercial auto insurance can help pay for covered claims arising from vehicles used during work-related tasks. It typically includes auto liability coverage, and may also include coverage for physical damage to owned vehicles.

Businesses that own, lease, or regularly use vehicles for operations, such as food delivery services or contractors, often purchase commercial auto coverage.

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- **Bodily Injury Liability**
- **Property Damage Liability**
- **Non-Owned Auto Liability**
- **Hired Auto Liability**
- **Collision Damage**
- **Comprehensive Damage**

Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.

Commercial auto insurance can be helpful for businesses that own, lease, or regularly use vehicles for their work. It’s especially crucial for businesses who make regular deliveries, conduct client visits, or travel frequently between job sites.

- **Construction Businesses**
- **Food & Beverage Businesses**
- **General & Independent Contractors**
- **Landscaping Companies**
- **Service Professionals**
- **Cleaning & Maintenance**

While commercial auto insurance can help cover auto liability and vehicle damage exposures, many businesses need additional coverage for non-auto risks like property damage, employee injuries, and third-party liability.

### General Liability

General liability insurance can help cover certain third-party bodily injury and property damage claims unrelated to driving incidents.

### Commercial Property

Commercial property insurance can help pay for the covered physical loss of (or damage to) a business’s buildings, equipment, and inventory.

### Business Owners Policy (BOP)

A business owners policy that typically bundles general liability and commercial property coverage and can help address non-auto risks like property damage and third-party claims.

### Workers’ Compensation

Workers’ compensation insurance generally covers employee injuries that occur on the job, including injuries from vehicle accidents during work. Commercial auto liability coverage often excludes bodily injury to employees and does not replace workers’ compensation.

### Professional Liability

Professional liability insurance helps cover claims tied to professional mistakes or advice, which are not covered under commercial auto insurance.

### Cyber Insurance

Cyber insurance can help pay for certain costs related to data breaches and cyber incidents, which typically are not addressed by commercial auto coverage.

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about commercial auto insurance.

### Does an employee’s personal auto insurance cover accidents resulting from business use?

In most cases, no. Personal auto policies typically exclude business use beyond commuting, making commercial auto insurance necessary for work-related driving.

### Are employee-driven personal vehicles covered?

Commercial auto insurance can include non-owned auto coverage, subject to underwriting standards. This can help address liability claims arising out of employees’ use of personal vehicles for work-related tasks.

### What types of vehicles can be covered?

Commercial auto insurance can cover cars, vans, trucks, and certain specialty vehicles used for business operations, depending on the policy.

### Is commercial auto insurance required by law?

States generally require liability coverage for registered business vehicles, though specific requirements vary by jurisdiction.

### Are items stored inside vehicles covered by the commercial auto policy?

Typically, commercial auto insurance covers the vehicle itself, not tools or cargo inside the vehicle. Those items may require separate coverage.

Talk to our team today and get started with your Supersure business insurance coverage.

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