Coverage for Vehicles at Work

Commercial Auto Insurance for Ohio Businesses

From one work truck to a growing fleet, commercial auto coverage can help protect the vehicles, drivers, and operations your business depends on.

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When Business Use Changes the Risk

When may a commercial auto policy be needed?

The vehicle is titled to a businessBusiness ownership often calls for commercial coverage rather than a personal auto policy.
You transport tools, equipment, or materialsContractor trucks, service vans, and delivery vehicles create work-related exposures.
Employees driveRegular employee use may require listed drivers, appropriate classifications, and endorsements.
You travel to jobsites or serve customersService calls, deliveries, client visits, towing, or plowing can change how the vehicle should be insured.

Contractor truck used for business in Ohio

Common Coverages

Protection built for vehicles on the job.

Auto Liability

Coverage for qualifying bodily injury or property damage you cause while operating a covered business vehicle.

Collision

May cover damage to your insured vehicle after a collision, subject to the deductible and policy terms.

Comprehensive

May cover non-collision losses such as theft, vandalism, fire, falling objects, and certain weather events.

Medical Payments / PIP

Availability and scope vary by state and policy, but may address certain injury-related costs.

Uninsured / Underinsured Motorist

Protection when an at-fault driver has no insurance or insufficient limits, subject to policy terms.

Hired & Non-Owned Auto

Liability protection for certain rented vehicles or employee-owned vehicles used for business purposes.

Vehicles We Commonly Discuss

From service vans to specialty work vehicles.

Eligibility depends on the vehicle, use, radius, driver history, equipment, and carrier appetite.

Contractors InsuranceTools & Equipment Coverage
Pickup trucks, cargo vans, and service vansCommon for contractors, trades, cleaning services, and field operations.
Box trucks and delivery vehiclesUsed for distribution, deliveries, moving, and service routes.
Dump trucks, plow vehicles, and utility unitsSpecial use and attached equipment may require careful classification.
Trailers and specialized vehiclesCoverage can vary for owned trailers, permanently attached equipment, and unusual uses.

Why an Independent Agency?

Carrier fit matters in commercial auto.

Commercial auto carriers differ in the vehicles, industries, driver profiles, operating radius, and business uses they prefer. We compare suitable markets and help explain the limits, deductibles, classifications, and required certificates.

Do I need commercial auto for one work truck?

Often, especially when the vehicle is titled to the business, carries tools, transports materials, or is primarily used for work.

Can employees drive insured vehicles?

Often yes, but drivers must be disclosed and meet carrier requirements. Proper driver lists and usage classifications are important.

What is hired and non-owned auto?

It may address liability when rented vehicles or employee-owned vehicles are used for business errands or work, subject to policy terms.

Can commercial auto be coordinated with other coverage?

Yes. Depending on the operation, it may be coordinated with liability, BOP, umbrella, contractors, or equipment coverage.

Put your business vehicles on the right road.

Tell us what you drive, who drives it, and how the vehicles support your operation.

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