Commercial Auto Insurance

Q: Is commercial auto insurance required?

Yes, most states require commercial auto insurance for vehicles used for business purposes.

Q: Can employees be covered under my policy?

Yes, commercial auto insurance can cover employees who drive company vehicles.

Q: Does commercial auto insurance cover personal use?

Coverage primarily applies to business use, but some personal use may be included depending on the policy.

Q: Can I insure just one business vehicle?

Yes, commercial auto insurance is available for single vehicles as well as fleets.

Q: How do I get a quote?

You can request a free quote online or speak directly with an E360 Insurance expert.

Reliable Coverage for Business Vehicles of Every Size

At E360 Insurance Services, we know how important vehicles are to your day-to-day business operations. From one company car to a full fleet of delivery vehicles, our commercial auto insurance helps protect what keeps your business on the road. We offer flexible, tailored coverage designed to match your business needs and reduce disruptions caused by unexpected incidents.

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What Is Commercial Auto Insurance?

Commercial Auto Insurance provides coverage for vehicles used for business purposes. Unlike personal auto insurance, it is specifically designed to cover risks associated with business use—such as employee drivers, higher mileage, and transporting goods or equipment.

If your business owns, leases, or uses vehicles for work, personal auto insurance may not be enough. A commercial policy ensures your business is protected in the event of accidents, property damage, injuries, or legal claims.

Who Needs Commercial Auto Insurance?

Commercial auto insurance is essential for many types of businesses, including:

Contractors and service professionals
Delivery and courier companies
Construction businesses
Landscaping companies
Retail and wholesale distributors
Food trucks and catering services
Transportation and logistics companies
Businesses with company cars or employee-driven vehicles

If a vehicle is used for business—even part-time—commercial auto coverage is often required.

What Vehicles Can Be Covered

E360 Insurance offers coverage for a wide range of business vehicles, including:

Cars and sedans
Pickup trucks and vans
Box trucks
Utility and service vehicles
Flatbed trucks
Food trucks
Company fleets

Whether you have one vehicle or many, we tailor coverage to fit your business needs.

Commercial Auto Insurance Coverage Options

Every business is different, which is why we offer flexible coverage options to match your operations.

Liability Coverage

Covers bodily injury and property damage if your business vehicle causes an accident. This is required in most states and protects your business from costly lawsuits.

Collision Coverage

Pays for damage to your business vehicle after a collision with another vehicle or object, regardless of fault.

Comprehensive Coverage

Protects against non-collision incidents such as theft, vandalism, fire, weather damage, or falling objects.

Medical Payments Coverage

Helps pay medical expenses for the driver and passengers injured in an accident involving your business vehicle.

Uninsured / Underinsured Motorist Coverage

Protects if your driver is hit by someone who has little or no insurance.

Optional Add-On Coverages

To give your business extra protection, E360 Insurance also offers valuable add-ons:

Roadside Assistance—Help with breakdowns, towing, and flat tires
Rental Reimbursement – Covers the cost of a rental vehicle while yours is being repaired
Hired and Non-Owned Auto Coverage—Protects your business when employees use personal or rented vehicles for work
New Vehicle Replacement – Replaces totaled vehicles with a newer model
Expanded Towing Coverage – Additional towing and labor protection

These options help reduce downtime and keep your business running smoothly.

How Much Does Commercial Auto Insurance Cost?

The cost of commercial auto insurance depends on several factors, including:

Type of vehicle(s)
Number of vehicles in your fleet
How the vehicles are used
Driver experience and driving history
Annual mileage
Location and service area
Coverage limits and deductibles

At E360 Insurance, we work with multiple carriers to find competitive rates and coverage that fits your budget—without sacrificing protection.

How the Claims Process Works

We believe filing a claim should be simple and stress-free. Here’s what to expect:

Report the accident or incident as soon as possible
Provide basic details and documentation
Vehicle inspection and damage assessment
Claim review and approval
Repairs or settlement payment

Our team supports you throughout the process to ensure fast, fair handling.

Why Choose E360 Insurance?

Business owners trust E360 Insurance because we deliver more than just policies—we deliver peace of mind.

Personalized coverage solutions
Access to top-rated insurance carriers
Competitive pricing
Fast and easy quotes
Knowledgeable insurance experts
Ongoing policy support and reviews

We take the time to understand your business and recommend coverage that truly protects you.

Get a Free Commercial Auto Insurance Quote Today

Protect your vehicles, your drivers, and your business with Commercial Auto Insurance from E360 Insurance. Our experts are ready to help you find the right coverage at the right price.Get your free quote today and drive your business forward with confidence.