Commercial auto insurance

Vehicles & uses we cover

If you are using a plated vehicle for commercial purposes to make money, it may qualify for commercial auto insurance. Coverage also extends to trailers attached to your vehicle.

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!

If you are searching for cheap commercial auto insurance, you likely want affordable coverage without compromising quality. From business car insurance for sales teams to commercial truck insurance for contractors and delivery, IIA has options.

Need fleet auto insurance? Cover one vehicle or scale up to a mid-size fleet. Speak with an expert agent today to find out how to cover your business vehicle.

Coverage Options

Like personal auto insurance, commercial auto insurance offers a range of coverage options. Depending on your location, you may need to carry a minimum of liability insurance, which helps pay for injuries or damage to the property of others if you’re at fault in an accident.

Business owners can consider additional coverage types, such as:

• Collision: May pay for damage to your vehicle from a covered accident with another car or object. This coverage is often required when leasing or financing a car and generally has deductibles and policy limits.
• Comprehensive: May cover damage to your vehicle unrelated to a collision, such as theft, vandalism, animal accidents, fire, or extreme weather events. This coverage can also be subject to deductibles and limits.
• Uninsured/Underinsured Motorist (UM/UIM): Can pay for your property damage or injuries if you are in a covered accident with a driver who does not have any or sufficient insurance.
• MedPay: May cover expenses for medical, surgical, dental, and chiropractic treatments following an accident.
• Personal Injury Protection (PIP): Can cover medical expenses for injuries caused by an accident.

Business owners may also be interested in commercial general liability insurance, which is a business insurance that covers financial losses from third-party claims involving bodily injury, property damage, and personal or advertising issues.

Why choose IIA

Choosing the right auto insurance agency can make sure you get coverage that fits your needs. Here’s what IIA offers that may help you:

• Foreign licenses accepted: We accept various types of licenses, including foreign and matricula consular, to better serve a diverse range of drivers.
• Flexible underwriting: We offer flexible policy options for drivers with less-than-perfect records.
• Discounts: Along with affordable price points, you may qualify for discounts offered through our 20+ insurers for things like paying your policy in full, prior coverage, general liability, multiple insured vehicles, and more.
• Recurring card payments: We have multiple payment options, including convenient recurring card payments.
• Automatic coverage for eligible new hires: Obtain fast proof of insurance after payment for you and your employees, including new hires.
• Spanish-bilingual assistance: Our team includes Spanish-speaking bilingual agents to help ensure clear communication with clients who have varying language needs.

Ways to save

Find affordable commercial auto insurance with eligible discounts through IIA. For example:

• Paid-in-full: Paying your full premium upfront may reward you with a significant discount.
• Prior coverage: Showing you’ve had insurance in the past can prove you are less risky to insure and may lead to a lower premium.
• Multi-Policy: Having other insurance policies with the same company or insuring more than one vehicle with the insurer can lead to a reduced rate.
• Good Driver: Having a clean driving record by avoiding accidents or traffic violations can help you get more affordable commercial auto insurance.

Find out how you can qualify for discounts on your insurance by asking an IIA agent.

How it works

Getting started with IIA for your commercial auto needs is quick and easy, just follow these three simple steps:

1. Tell us about your business and the commercial vehicles you want to insure.

2. Compare options from our wide network of carriers, giving you flexible coverage choices for businesses of many types and sizes.

3. Choose your policy and get same-day proof of insurance after paying. You can add or remove drivers and vehicles at any time.

Why commercial auto is crucial

Running a business takes resources, and if vehicles are part of your daily operations, commercial auto insurance may be legally required in your state. Even if it’s not mandated, commercial auto coverage can help mitigate the financial risks tied to accidents, damage, or liability. If your business regularly uses vehicles to visit job sites, clients, or make deliveries, it’s important to consider the potential costs of an unexpected accident without proper coverage.

Common questions answered (FAQ)

How much does commercial auto insurance cost?

The cost of commercial auto insurance varies based on factors like business type, vehicle type and size, fleet size, driving record, and your chosen coverage limits.

Do I need commercial auto insurance if I have a personal auto policy?

It depends on how you use your vehicle. If you use your car for work—like deliveries, site visits, or services—a personal policy may not cover you in the event of an accident. Certain vehicle types may automatically require commercial insurance.

Are there payment plans available?

Yes, we offer various payment options, including recurring card payments through the insurers we work with.

How does commercial auto insurance help my employee drivers?

Commerical auto insurance can cover multiple drivers, helping provide coverage for employees if they are involved in a covered accident.

How can I adjust my policy as my business grows?

As your business grows, you can adjust coverage anytime by contacting an IIA agent.

Additional Resources:

• How to File a Commercial Auto Insurance Claim
• Small Business Support and Resources
• How to Start a Side Hustle and Turn it Into a Business

At IIA we offer same-day proof of insurance, flexible payment options, and accept foreign licenses. Ready to compare commercial auto insurance now with IIA? Get a free commercial vehicle insurance quote by calling 855-478-3705 or receive a free estimate online.

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.