Commercial Auto Insurance for Connecticut Businesses

From Hartford to New Haven, Connecticut blends stunning fall foliage and a thriving small business scene. The state homes more than 380,000 small businesses, spanning industries from construction to retail. For these businesses, even routine tasks like deliveries or job-site visits can count as business use and may require commercial auto insurance. With Infinity Insurance Agency Inc. (IIA), compare commercial auto insurance in CT in minutes and take advantage of:

• Same-day certificates of insurance (COI): Often offered after your payment is finalized and policy is active
• Flexible vehicle coverage: Through our carriers, explore coverage for your business vehicles, from cars and vans to trucks and small fleets
• Easy-to-navigate policies: Easily add vehicles or drivers as your business grows and enjoy flexible payment options
• Spanish-bilingual assistance: Friendly assistance in English or Spanish

Start your commercial auto quote in Connecticut online or with a helpful agent to help pay for the financial losses from a covered accident while on the job.

Who it’s for in Connecticut (vehicles & uses)

Wondering if you need commercial auto insurance in Connecticut? For many small business owners, it’s essential. Unlike personal auto insurance policies, commercial coverage can cover vehicles used for work, like hauling tools, making deliveries, or visiting clients. Connecticut commercial truck insurance, for example, can help reduce financial risk for straight or utility trucks after a work-related accident.

Whether using cars, trucks, or small fleets, many Connecticut small businesses rely on commercial auto insurance, such as:

• Construction companies operating trucks and heavy equipment
• Food trucks serving customers on the go
• Contractors like electricians and plumbers traveling to job sites
• HVAC technicians servicing and mounting systems
• Landscapers hauling tools and equipment
• Couriers and delivery services relying on dependable vehicles
• Cleaning services using vehicles for daily jobs
• Mobile auto detailers traveling to customers

How a commercial auto insurance policy works

A commercial auto insurance policy in Connecticut must include liability coverage with at least the minimum state coverage limits. Beyond liability, you can add other coverage to fit your business needs. IIA can help you review coverage options from our carriers, so you can make the best choice for your needs, including:

• Liability (bodily injury/property damage): Required by Connecticut law, it can pay for injuries to others and damage to their property if your business is at fault in an accident
• Comprehensive: Can cover damage to your vehicle from non-collision events such as theft, vandalism, fire, or severe weather
• Collision: Can cover damage to your car from a collision with another vehicle or object, regardless of fault
• Uninsured and underinsured motorist (UM/UIM): Can cover injuries and certain damages if you or your drivers are in an accident with someone at fault who has little or no insurance
• Medical payments (MedPay): Can pay for medical expenses for the driver and passengers in a covered vehicle, regardless of fault  
• Personal injury protection (PIP): Where applicable, it can help cover medical expenses, lost wages, or essential services after an injury caused by a car, regardless of fault
• Hired & non-owned auto: Can cover your business from liability when your employees use rented, leased, or personal vehicles for work duties

A commercial auto policy can help pay losses up to the limits you select. Choose the right business auto insurance in Connecticut for your work vehicle, customizing your coverage types and limits.  

Connecticut auto insurance requirements    

Connecticut auto insurance laws require all drivers to carry liability and UM/UIM auto insurance to drive legally. The state’s minimum coverage, often called 25/50/25 coverage, includes:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident

Drivers must carry proof of insurance to show law enforcement when requested. If you have questions about additional requests, like a waiver of subrogation, primary & non-contributory coverage, or others, speak with an agent to find out how our carriers could help you.  

What affects pricing (and where to save)

Are you looking for a commercial auto insurance quote in Connecticut? It’s important to know that insurance costs can vary based on several key factors, including:

• Type of vehicle: Make, model, and year
• Usage: Typically, how a vehicle is used for business purposes
• Driving history: A clean record, for you and your employees, can help lower premiums  
• Location: Where your business operates and vehicles are garaged
• Coverage limits: Certain businesses need more coverage, and higher coverage limits generally mean higher premiums
• Deductibles: Choosing to pay more out of pocket for collision or comprehensive can lower your premium

Potential discounts may help lower your premiums, and at IIA we can guide you through the savings options our carriers offer. Looking for cheap commercial auto insurance in Connecticut? With our carriers, find coverage options that grow as your business adds vehicles or drivers.  

Ways to save

While commercial auto insurance can be more costly than a personal auto insurance policy, there are potential discounts you may qualify for. IIA is proud to work with carriers that offer these potential discounts that could reduce your coverage costs:

• Multi-vehicle: Choosing to insure multiple vehicles under one policy could help you save
• CDL experience: Drivers with over two years of commercial driving experience may get discounts on certain coverages (for medium, heavy, and extra-heavy vehicles)
• Business experience: Show a strong financial track record for a given time period could earn you savings  
• Commercial General Liability (CGL): Proof of a CGL policy can help you save through various coverages
• Proof of insurance: Having past insurance coverage may qualify you for discounts by showing you are less risky to insure
• Pay in full: Paying upfront or via autopay may lower premiums
• Telematics / Safe driver programs: Demonstrating safe driving can earn you discounts
• Right deductibles: Choose higher deductibles (for collision and comprehensive coverage) and you could reduce your premiums

How it works

Avoid the hassle and obtain insurance options for your business vehicles with IIA’s carriers. Thanks to the network of carriers we work with, the process is quick, straightforward, and built to keep your business on the road:

• Share your details: Tell us about your business, vehicles, and their usage so we can help you find coverage options that may fit your needs.  
• Compare options: Review plans from multiple carriers to find the right balance of coverage and cost.  
• Activate your policy: Choose your coverage and limits, submit payment, and access digital ID cards and COIs, often the same day. 

Get a commercial auto insurance quote in Connecticut today to help your business keep moving! Call 1-855-478-3705 today and get expert help from agents familiar with Connecticut auto insurance laws and requirements. You can choose from coverage options through our multiple trusted carriers, with same-day certificates of insurance (COIs) and ID cards available after your payment. Compare commercial auto insurance quotes in Connecticut now to get your business auto coverage started.