Commercial Auto Insurance
Coverage for every vehicle your business depends on
From delivery vans to company cars to work trucks, we find the right commercial auto policy to keep your fleet protected and your business moving.
What is commercial auto insurance?
Commercial auto insurance covers vehicles used for business purposes — whether it's one company car or an entire fleet. Personal auto policies typically exclude business use, leaving you exposed. As an independent agency, we shop multiple top-rated carriers to build the right commercial auto coverage for your business, vehicles, and drivers.
Coverage options
Commercial Liability
Covers bodily injury and property damage your business vehicles cause to others. Required in most states and essential for any business operating vehicles.
Collision Coverage
Pays to repair or replace your business vehicle after a collision with another vehicle or object, regardless of fault.
Comprehensive Coverage
Covers damage to your business vehicles from non-collision events — theft, vandalism, hail, flooding, fire, or hitting an animal.
Uninsured/Underinsured Motorist
Protects your business if one of your vehicles is hit by a driver with no insurance or insufficient coverage.
Medical Payments
Covers medical expenses for your drivers and passengers after an accident, regardless of fault.
Hired & Non-Owned Auto
Covers vehicles your business rents, leases, or borrows — and employee-owned vehicles used for business purposes.
Fleet Coverage
A single policy covering multiple business vehicles, simplifying management and often reducing per-vehicle premiums.
Cargo Coverage
Covers goods or equipment your business transports in its vehicles — essential for delivery, freight, or trade businesses.
Who needs commercial auto insurance?
Contractors & trades
Plumbers, electricians, HVAC techs, and builders who drive to job sites and haul tools or materials.
Delivery & courier services
Any business making deliveries — food, packages, supplies — using owned or leased vehicles.
Landscaping & lawn care
Crews driving trucks and trailers with equipment to residential and commercial properties.
Real estate & sales
Agents and sales reps who regularly drive clients or travel between properties for business.
Cleaning & home services
Mobile service businesses that drive to customer locations with supplies and equipment.
Retail & food businesses
Shops and restaurants with delivery vehicles, catering vans, or company-owned transport.
Why get commercial auto through Chely?
Independent agency advantage
We compare commercial auto rates from multiple top-rated carriers — not just one — to find you the best coverage at the best price.
Fleet and single-vehicle policies
Whether you have one work truck or a fleet of 20 vehicles, we build the right policy structure for your operation.
Bundle with your commercial package
Combine commercial auto with your general liability or BOP for multi-policy savings and simplified coverage management.
Claims support when it matters
A claim on a business vehicle can disrupt your entire operation. We're here to advocate for you and get you back on the road fast.
Frequently asked questions
Get a commercial auto quote today
Tell us about your vehicles and how you use them. We'll find the right coverage to keep your business protected on the road.