Infinity Commercial Auto Insurance
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What is Commercial Auto Insurance?

Do you or your employees use your personal vehicle to carry out essential business operations? If you do, a personal auto policy likely won’t cover you in the case of an accident. Commercial use of your vehicle (hauling equipment, traveling between job sites, delivering packages, etc.) generally requires a commercial insurance policy. Commercial auto insurance offers a deeper level of protection than your personal policies including a higher liability limit, which is why many states require commercial insurance to be carried on commercial vehicles. Because commercial vehicles are registered with the state in a different way than personal vehicles are, your insurance agent might ask you for different information when getting your quote.

We provide commercial vehicle insurance for a wide variety of businesses and commercial vehicles. Whether you are a small business owner insuring one truck and employee, or a small to medium fleet of vans and employees, we offer a variety of commercial insurance coverages you can customize to suit your unique business needs.

Exclusive Benefits We Offer with Commercial Auto insurance:

  • Foreign licenses accepted
  • Possible discounts for paying your policy in full, prior coverage, general liability, multiple insured vehicles, prior business experience, and more
  • Multiple coverage and payment options, including recurring card payments.
  • Policy flexibility for drivers with "less than perfect" driving records.
  • Available automatic coverage for eligible new hire employees that drive company vehicles.
  • Trailer insurance options for a variety of trailer types.

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What Kinds of Vehicles Can be Covered by Commercial Auto Insurance?

If you are using a car for commercial purposes to make money, it is eligible for commercial insurance. This includes trailers connected to your vehicles, as well as the car itself.

Types of vehicles that can be covered:

  • Landscaping trucks/trailers
  • Contracting trucks
  • Cars used in delivery and sales
  • Full-size vans
  • Pick-up trucks
  • Utility trailers
  • Cargo vans
  • Straight trucks/Flatbed trucks
  • And more!

We have you covered on your commercial vehicles whether you are covering one vehicle, or a full to midsize fleet. Secure your financial freedom by protecting your business and its vehicles.

Who is Eligible for Commercial Vehicle Coverage?

Most business owners who use a vehicle for their daily business operations are eligible for our commercial coverage. Whether we are insuring one vehicle or twenty, there is an available coverage option. contractor putting on gloves before grabbing tools from truck bed

Examples of some available occupations are:

  • Building material delivery
  • Contractors/Construction workers
  • Cleaning services
  • Trade workers (HVAC/Plumbers/Electricians, etc.)
  • Landscapers
  • Installation services

We offer coverage and other benefits for trucks and trailers used for these professions. If you have questions about what types of professions are available, ask an insurance agent for help!

Common Myths About Commercial insurance, and the Truth Behind Them

Myth: Using your personal car part-time for side jobs doesn’t require commercial insurance.
Fact: If you use your car for business more than one day a week, you need commercial auto insurance, because your personal policy might not cover you. A commercial policy gives you a wider range of protection and peace of mind.

Myth: Commercial policies are too expensive.
Fact: Commercial policies can end up being cheaper than personal policies due to some discounts and rating factors not available for personal policies.

Myth: There’s no point in paying for a higher limit. Personal policies are already sky high.
Fact: Commercial policies don’t necessarily cover a higher limit, but they offer a wider range of coverage. Even if the liability limit is the same, your commercial policy offers protection in both personal and commercial use of the vehicle, whereas personal policies only cover you during personal use.

Myth: If your vehicle is registered to you and not your business, you can’t get a commercial policy.
Fact: The vehicle does not need to be registered to your business for a commercial policy. Many people use their personal vehicles commercially, so they need to properly insure that car.

FAQs - Commercial Auto Insurance

What's covered by a commercial auto insurance policy?
A commercial auto insurance policy typically provides coverage for vehicles used for business purposes. This includes coverage for physical damage to the insured vehicles, liability protection for bodily injury or property damage caused to others.  

Do I need commercial auto insurance?
Whether you need commercial auto insurance depends on how you use your vehicle. If you use your vehicle for business purposes, such as transporting goods, making deliveries, or providing services, a personal auto insurance policy may not be sufficient. Commercial auto insurance is designed to help cover vehicles used for business activities and offers broader protection.   

What is the risk if I don’t have commercial auto insurance?
Not having commercial auto insurance when your vehicle is used for business purposes can expose you to significant financial risks. In the absence of proper coverage, you may be personally liable for damages resulting from accidents or incidents involving your business vehicle.  

How much does commercial auto insurance cost?
The cost of commercial auto insurance varies widely and depends on several factors. These factors include the type of business, the size and weight of the vehicles, the number of vehicles in the fleet, the driving history of the drivers, and the coverage limits selected. 

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Also check out our information on other business insurance options

Terms and Conditions

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all underwriting companies. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.