Commercial Auto
If vehicles are part of how your business runs, they need business-grade coverage. Commercial auto protects your trucks, drivers, and the work they carry.
What commercial auto covers
Business use changes everything. A personal policy can deny a claim involving work use of a vehicle.
Auto liability
Pays for bodily injury and property damage your business vehicles cause to others.
Physical damage
Collision and comprehensive coverage to repair or replace your business vehicles.
Employee drivers
Coverage for the people who drive on your behalf, something personal policies typically exclude.
Hired & non-owned
Addresses exposure from rented vehicles and employees driving their own cars for work.
Uninsured motorist
Protects your business when an at-fault driver lacks adequate insurance.
Medical payments
Helps with medical costs for drivers and passengers after a covered accident.
Business use needs business coverage
Using a vehicle for work, deliveries, service calls, hauling, or transporting employees, creates exposure a personal auto policy isn’t built for and may explicitly exclude. The result can be a denied claim at the worst possible moment.
Swamp Fox helps you set the right liability limits, cover owned and non-owned vehicles, and account for employee drivers, so a work-related accident is actually protected.
- Employee drivers need to be covered correctly, and their records affect pricing.
- Hired and non-owned auto closes a common and dangerous gap.
- Vehicle use, delivery, service, hauling, shapes the right policy.
Commercial auto questions
Can’t I just use my personal auto policy for work?
Usually not. Personal auto policies often exclude business use, which can lead to a denied claim. If a vehicle is used for work, commercial auto is the coverage that responds.
Are my employees covered when they drive for the business?
With the right commercial auto policy, yes, including coverage considerations for employees driving their own vehicles on company business through hired and non-owned auto.
Do I need commercial auto for just one vehicle?
If that vehicle is used in your business, very likely yes. We write everything from a single work truck to a full fleet, matched to carriers comfortable with your operation.
How is commercial auto priced?
Carriers consider vehicle types, use, driver records, radius of operation, and claims history. We help present your business accurately to find the best available rate.
Cover the vehicles that do the work.
Start a commercial auto quote, or call an agent.