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Monday–Friday · 9:00 AM – 5:00 PM ET·independent · Insuring businesses nationwide
Your business vehicles help you serve customers, make deliveries and keep work moving. Whether you have a single service vehicle or a fleet of trucks, Ellie helps you compare commercial auto coverage and shop for a competitive price based on your vehicle type, use and drivers.
Commercial auto insurance is required by law if you own or operate a vehicle for business purposes. Coverage can help protect your business from liability and property damage claims, while policy limits, deductibles and exclusions should match the way your business operates. At Ellie Insurance Group, we shop 100+ carriers for options tailored to your vehicle type, usage and driver profile.
Policy details worth comparing
There is no single best policy for every business. Compare the actual offer for your operations, including any endorsements and exclusions.
Liability Coverage
Understand what changes the cost of commercial auto and how to compare policy limits, deductibles, exclusions and the needs of your business.
Collision Coverage
Covers damage to your vehicle
Comprehensive Coverage
Covers theft, weather, vandalism
Uninsured/Underinsured Motorist
Protects against uninsured drivers
Medical Payments
Covers medical expenses for occupants
Hired & Non-Owned Auto
Covers rented or borrowed vehicles
Towing & Labor
Covers roadside assistance
Customizable Deductibles
Understand what changes the cost of commercial auto and how to compare policy limits, deductibles, exclusions and the needs of your business.
A coverage name does not show every condition. Ask how the policy treats your work, who is insured, what triggers coverage and what your business would pay after a loss.
Frequently Asked Questions
Common questions about these coverage options.
What's the difference between commercial auto and personal auto insurance?▼
Commercial auto covers vehicles used for business purposes (deliveries, client visits, etc.). Personal auto excludes business use. Using personal auto for business voids coverage.
Do I need commercial auto if I use my personal car for work?▼
Yes, if you use it regularly for business. Personal auto policies exclude business use. A commercial auto policy or business endorsement is required.
How can I reduce commercial auto insurance costs?▼
Ask each insurer which factors and discounts apply to your operation. Drivers and claims, vehicle type and value, garaging, mileage and use, limits, and physical-damage deductibles commonly affect price. A higher deductible may lower physical-damage premium, but only choose one your business can afford after a covered loss. Driver training or telematics may help where a carrier offers and accepts them.
What coverage limits should I carry?▼
Start with the limits and filings required by your state, motor-carrier authority, lender or lessor, and customer contracts. A $100,000/$300,000/$100,000 liability format usually means bodily injury per person, bodily injury per accident, and property damage; it does not state a UM/UIM limit. Then choose liability, UM/UIM, physical-damage limits, and deductibles based on your vehicles, routes, drivers, cargo or passengers, assets, and the loss your business could absorb.
Is commercial auto required by law?▼
Yes, in all states. If you own or operate a vehicle for business, you must carry commercial auto liability insurance. Operating without it is illegal.
Next step
Let's find insurance for your business
Tell us about your business. We’ll shop our insurance markets for competitive quotes and help you compare coverage, price and the support you need from your agency.