Commercial Auto Insurance Policy
Are you a business owner who uses a truck or vehicle for work? If so, be sure you are not relying on a personal auto insurance policy to cover your work vehicles while on the job. Without a special business-use endorsement, personal auto insurance is unlikely to cover damages or injuries if an accident occurs during work hours. Infinity provides commercial insurance for a wide variety of businesses and vehicle types, so you can rest easy knowing that you are properly insured.
Request a free commercial auto insurance quote online today!
What are the Benefits of Commercial Auto Insurance?
If your business uses vehicles, then you need commercial auto insurance. It's important to have, and a requirement in most states. The minimum liability coverage varies. Business owners should be aware: If your business regularly transports passengers or cargo, you will likely need more coverage.
Infinity Commercial policies could include the following discounts and features:
- Commercial drivers with foreign licenses accepted at reduced rates
- Significant discounts for paid-in-full, prior coverage, bundling with general liability, multiple vehicles, prior business experience, and more
- Multiple insurance coverage options to fit your needs and budget
- Payment options available, including recurring credit card payments
- Flexibility for drivers with "less than perfect" driving records
- Available automatic insurance coverage for eligible new hires who drive a company vehicle
- Trailer insurance options
How Much Does Commercial Auto Insurance Cost?
Commercial auto insurance is often more expensive than personal auto insurance. Commercial trucks, vans, and similar vehicles are capable of causing more significant damages and injuries. Typically, they cost more to insure due to the higher nature of their liability requirements.
The cost of insurance often depends on the following factors:
Where your business is located
How much coverage you need
The type of vehicles you're insuring (e.g. truck, van, sedan, etc.)
Condition of the vehicle(s), if there are physical damages
Number of people who will drive the vehicle
Average distances vehicles travel and the mileage on each vehicle
Who Is Eligible for Infinity Commercial Auto Insurance Coverage?
- Small to medium sized businesses with commercial drivers, or vehicles used for business purposes, as well as those who employ drivers for transportation of cargo material
- New ventures with up to 20 vehicles
What Kinds of Vehicles Are Covered by Infinity Commercial Auto Insurance?
- Commercial vehicles used in landscaping, contracting, delivery, sales, etc.
- Full-size vans, pickups and utility trailers, cargo vans, straight trucks, flatbed trucks, and more
When is Commercial Auto Insurance Required?
If you have a truck, van, or other vehicles that your company owns and uses for business purposes
If you have vehicles available for partners or employees to use for work requirements
If you or your team members use a personal vehicle for business reasons regularly
If you haul cargo, equipment, or a trailer from your vehicle for work
Why Choose Infinity Commercial Auto Insurance?
Infinity Insurance has over 60 years of experience offering customers quality insurance programs and excellent service. Not only is our financial stability rated as "A" or "Excellent" by A.M. Best., but Infinity also ranks among the fastest-growing established insurers for work vehicles in the U.S. Infinity makes it easy to get a Commercial Vehicle insurance quote. You'll be able to customize your coverage during the commercial auto insurance quote process, so you can find a rate that protects your vehicle and fits your budget. Begin your commercial vehicle quote online, or call 1-800-INFINITY today!
Infinity Insurance Agency, Inc. provides commercial auto insurance coverage through affiliated and non-affiliated insurance companies. We've searched for great providers with some of the best rates around, so you don't have to. Request a free commercial auto insurance quote online today!
Visit our Knowledge Center for more information on the difference between Personal and Commercial Auto insurance.
Commercial Auto Insurance FAQs
What is commercial auto insurance?
Commercial auto insurance is used to insure any business vehicle used to perform work related tasks. This includes vans, pickups, utility trailers, cargo vans, flatbed trucks and more. Learn more about how to protect your commercial vehicles.
How much is commercial auto insurance?
Commercial auto insurance is often more expensive than personal auto insurance. Commercial trucks, vans, and similar vehicles are capable of causing more significant damages and injuries. Typically, they cost more to insure due to the higher nature of their liability requirements. The cost of insurance often depends on the following factors:
- Where your business is located
- How much coverage you need
- The type of vehicle you're insuring (e.g. truck, van, sedan, etc.)
- Condition of the vehicle, if there are physical damages
- Number of people who will drive the vehicle
- Average distances your vehicles travel and the mileage on each vehicle
Do I need a commercial auto insurance policy?
Like car insurance, you're required to have commercial auto insurance on any vehicle that your business uses. While some personal auto insurance policies may cover work vehicles, typically this is not the case.
Also, check out our information on other business insurance options.
This material is for general informational purposes only. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability.