Commercial auto
Covers vehicles used for work, and the people driving them, when there’s an accident.
What it covers
Covered
Every policy is different. Oscar walks you through the exact wording of yours.
- 01Injuries and damage you cause to others in an accident
- 02Damage to your vehicles (collision and comprehensive)
- 03Medical payments for drivers and passengers
- 04Hired and non-owned vehicles, like an employee’s car used for errands
What it doesn’t cover
Usually not covered
- Tools and equipment in the truck (that’s tools and equipment coverage)
- Employee injuries (that’s workers’ comp)
- Drivers you didn’t list, in some policies
- Personal use outside the policy terms
Who needs it
Who it’s for
Any business that owns vehicles, or has employees who drive for work, even in their own cars.
Bundle two or more policies with Diamond and save up to 20%. A licensed agent reviews every request. Nothing on this page is a quote or proof of coverage.
FAQ
Commercial auto questions
My employee uses their own car for work. Am I exposed?
Possibly. Their personal policy may not protect your business. Hired and non-owned auto coverage is built for that.
What does Oscar need for a quote?
A vehicle list with VINs, a driver list with license numbers, how the vehicles are used, and where they’re parked at night.
Related coverage
CoverageWorkers’ compPays medical bills and part of lost wages when an employee is hurt or gets sick because of their job.CoverageTools and equipmentInland marine coverage for tools, gear and equipment that move between your shop, your truck and the job site.CoverageGeneral liabilityCovers injuries to other people and damage to their property caused by your business, plus the legal costs if you’re sued.
Next step
Ready when you are
Seven quick questions, about 90 seconds. Oscar, a licensed agent, reviews your profile personally.
Ask Diamond