Garfield hanging

Commercial Auto

Behind the Wheel of Commercial Auto Insurance

Like many business owners, you may think that just because you don’t own any company cars, you don’t need Commercial Auto insurance. You or your employees use your own personal vehicles to visit job sites, make sales calls, or run company errands. If there is an accident, you may think personal auto insurance will step in. Most personal policies won’t always cover business-related driving. It might be the business that’s liable for any injuries or damages.
All businesses should have some type of Commercial Auto insurance. If you own one, two or a fleet of vehicles, you need full coverage. If you don’t have any company-owned vehicles, you should have Hired & Non-Owned Auto coverage.
Under the Hood of a Business Auto Policy
Commercial Auto insurance is a lot like your personal car insurance in terms of what it offers. You can insure everything from cars to delivery vans, trucks, etc. You can easily customize the policy to provide you with exactly what’s needed to cover your company’s specific risks. This includes:
  • Bodily Injury & Property Damage Liability. Pays for defense costs and settlements up to the amount of coverage in the policy for damage you cause to another person or their property. The amount of coverage you buy will depend on how much you need to properly protect your assets.
  • Medical Payments. Pays for reasonable medical expenses if you or your passengers are injured and not in the course of employment.
  • Uninsured Motorists/Underinsured Motorists. Pays for your injuries if the other driver has no insurance or not enough coverage. Unfortunately, this is very common. One in seven drivers go without insurance*.
  • Comprehensive. Covers theft of your vehicle and property damage to your vehicle from vandalism, flood, fire, etc.
  • Collision. Pays for damage to your vehicle if you’re in an accident or it’s hit by another object.
  • Hired & Non-Owned Auto. Provides coverage for vehicles you rent and if your employees are using their cars for business. Pays for medical bills, damaged property, and auto repairs. 

To learn more about Commercial Auto and our other insurance products, click here to find an Indiana Farmers Insurance agent near you.

*Insurance Research Council

Insurance products are subject to terms, conditions and exclusions not described on this Website. The information on this Website concerning insurance policies and other products is intended to give you an overview of the policies and products offered by Indiana Farmers Insurance. None of the information—including any policy or product description—constitutes an insurance policy. The policy contains the specific details of the coverages, terms, conditions and exclusions. Coverages and their availability may vary by state.