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Business Insurance

Commercial Auto Insurance

Protects your business by covering vehicles owned and used in your business

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What is Commercial Auto Insurance?

Commercial auto insurance can provide your business with liability and physical damage for business vehicles.

Business Insurance Knowledge Center

Commercial Auto Insurance FAQs

What does commercial auto insurance cover?
  • Liability coverage protects against damage caused by your vehicle to other vehicles, property, or people.
  • Bodily injury coverage protects the insured when their vehicle causes injury to others.
  • Property damage coverage protects the insured when their vehicle causes damage to someone else’s vehicle or property.
  • Physical damage coverage protects against damage caused to your vehicle.
  • Collision coverage protects against collisions or overturned vehicles.
  • Comprehensive coverage provides coverage for non-collision-related damage. A few examples include fire, vandalism, hail, or collision with an animal like a deer.
  • Medical payments coverage pays for medical expenses if you or someone in your car is hurt in an accident. 
  • Personal injury protection (PIP), like medical payments, pays for medical expenses if you or someone in your car is hurt in an accident. PIP also covers additional accident-related expenses like lost wages or childcare.
  • Uninsured and underinsured motorist coverage (UM/UIM) provides bodily injury coverage if you are in an accident with a driver who is uninsured or does not have enough insurance.

Most personal auto polices will not cover vehicles or employees being used for business purposes.

Any business that owns or leases vehicles or whose employees drive their personal vehicles for business purposes. Contractors, trucking companies, Offices, manufacturers, retail stores, wholesalers and distributors, services businesses, restaurants, auto repair shops, landlord and rental properties.

Many factors affect the price of a commercial auto policy, including location, number of vehicles, and risk you face. 

Ready when you are

Request a Business Insurance Quote Today

If you’re looking for reliable business insurance in Iowa or a local insurance agency that understands the unique risks your business faces, State Bank & Insurance is here to help.

Contact us today to request a customized business insurance quote and speak with a local agent about protecting your employees, property, and operations.

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