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Commercial Auto Insurance

Commercial Auto Insurance Protect Every Mile Your Business Drives

From delivery vans to field service fleets, we help you keep your vehicles covered, your drivers protected, and your operations on the road.

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Overview

What Is Commercial Auto Insurance?

Commercial Auto Insurance protects your business vehicles, employees, and transported goods from the financial impact of accidents, property damage, lawsuits, and liability — whether your drivers are delivering goods, attending client meetings, or transporting equipment.

If your business uses vehicles in any way — even just occasionally — you need coverage that a personal car policy doesn’t provide.

Business use = business protection. Let us help you cover the road ahead.

What’s Covered

What Does Commercial Auto Insurance Cover?

1
Collision Coverage
Covers damage to your business vehicle after an accident, regardless of who was at fault.
2
Liability Coverage
Covers injuries or property damage you cause to others while driving a business vehicle.
3
Comprehensive Coverage
Protection from theft, vandalism, fire, weather, or hitting an animal.
4
Medical Payments
Pays for medical expenses for your drivers and passengers after an accident.
3
Comprehensive Coverage
Protection from theft, vandalism, fire, weather, or hitting an animal.
7
Optional Add-ons:
  • Hired and Non-Owned Auto Coverage
  • Trailer Interchange & Cargo Coverage
  • Rental Reimbursement
  • Roadside Assistance & Towing
  • Fleet Telematics Integration
Who Needs Commercial Auto Insurance?

Is This Coverage Right for You?

If your business owns, leases, or uses vehicles for work purposes, commercial auto coverage is essential — and often legally required.

Perfect for:

  • Delivery drivers & courier services
  • Contractors and construction crews
  • Landscaping & maintenance services
  • Real estate agents & mobile professionals
  • Mobile medical services
  • Tech field teams and equipment installers
  • Transportation companies

Even a single vehicle used part-time for business may need a commercial policy.

Why GlobalPayGuard?

Why Choose GlobalPayGuard for Auto Coverage?

Flexible Fleet Sizes

From one vehicle to 100+

Cargo & Trailer Options

Add-on protection for goods and equipment

Quick COI Issuance

Needed for contracts or delivery platforms

Cross-Border Coverage

U.S., Canada, and global regions available

Accident Support 24/7

We manage claims so you can focus on your business

Example Claims Scenarios

  • A courier van rear-ends another car during deliveries. Our policy covers repairs and legal costs.
  • A business truck is broken into and tools are stolen. We cover damage and tool replacement.
  • An employee uses a personal car for work and gets in an accident — covered under Hired & Non-Owned Auto.
  • A hailstorm damages your company vehicle fleet — repairs are covered under comprehensive.
FAQs

Is commercial auto required by law?
Yes — if you own or operate vehicles for business use, most states and countries require minimum liability coverage.
How is this different from personal auto insurance?
Personal auto policies typically exclude coverage for vehicles used for business purposes. You need commercial coverage to be fully protected.
Can I insure multiple vehicles?
Absolutely. We offer fleet policies with bulk pricing and flexible driver options.
What vehicles are eligible?
We cover cars, vans, trucks, trailers, and specialty vehicles — even those used only part-time for business.

Get Covered

 Let’s Get Your Business Vehicles Protected
No matter how often you drive or how many vehicles you operate — we have a policy built to move with your business.

Get a Commercial Auto Quote
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