Do You Need Commercial Auto Insurance? Here’s What Business Owners Should Know

If you own a business that uses vehicles — whether it’s a single pickup truck or an entire fleet of service vans — your personal auto insurance policy likely won’t cover you in the event of an accident. That’s where commercial auto insurance comes in.

At Rolland Insurance, we help protect businesses across [Your Region] with tailored commercial auto coverage that fits their needs and budgets. Here's a breakdown of what commercial auto insurance covers, who needs it, and why it matters for your business.

🚛 What Is Commercial Auto Insurance?

Commercial auto insurance is a policy designed to cover vehicles used for business purposes. This includes:

• Business-owned vehicles used to transport goods or people

• Personal vehicles used frequently for work tasks

• Fleet vehicles operated by employees

• Specialty trucks, vans, trailers, and more

Unlike personal auto insurance, commercial policies account for greater liability risks, multiple drivers, and business-specific uses — making them essential for protection and compliance.

🛡️ What Does Commercial Auto Insurance Cover?

A solid commercial auto policy typically includes:

• Liability Coverage – Covers property damage and bodily injury if you're at fault in an accident

• Collision Coverage – Pays for damage to your business vehicle after a crash

• Comprehensive Coverage – Protects against non-collision events like theft, vandalism, fire, or weather damage

• Uninsured/Underinsured Motorist – Covers your costs if another driver is at fault but doesn’t have enough insurance

• Medical Payments/Personal Injury Protection (PIP) – Helps pay medical bills for you and your passengers

• Hired/Non-Owned Auto Coverage – Extends liability coverage to employees’ personal vehicles used for work

💡 Rolland Insurance can help you customize these coverages to fit your unique business operation — whether you're a contractor, delivery service, or landscaping company.

👷 Who Needs Commercial Auto Insurance?

You likely need a commercial policy if:

• Your vehicle is registered under a business name or LLC

• You or your employees regularly use vehicles for work

• You transport goods, tools, or people for profit

• You drive to multiple job sites, deliver items, or haul equipment

• You lease or rent vehicles for business use

Even if you’re a sole proprietor using your personal car, if that vehicle is used regularly for work tasks — such as visiting clients or delivering products — your personal auto policy may exclude coverage for work-related incidents.

💰 Why Commercial Auto Insurance Is Worth It

Without the right coverage, a single accident could lead to:

• Out-of-pocket repair or replacement costs

• Expensive liability lawsuits

• Lost income due to vehicle downtime

• Damaged reputation if your business is seen as unprepared

Commercial auto insurance gives you peace of mind, helps you stay compliant with state and contractual requirements, and ensures your business keeps moving — no matter what happens on the road.

🚦 Rolland Insurance: Local Agents, Real Protection

As an independent agency, Rolland Insurance works with top-rated carriers to compare coverage options and find the best fit for your budget and industry. Whether you need to insure one work van or a full fleet, we offer:

• Competitive rates and multi-vehicle discounts

• Fast, personalized quotes

• Knowledge of local and state requirements

• Ongoing support for claims and policy changes

📞 Protect Your Business on the Road — Let’s Talk

If you're unsure whether your current policy truly protects your business vehicles, now is the time to review your options. At Rolland Insurance, we’ll guide you through every step and help you choose coverage that makes sense — without the guesswork.

👉 Contact us today for a free consultation or commercial auto insurance quote.