Commercial Auto Insurance for Your Business

Solutions for protection on the road

A row of business vans parked in a parking lot.

What is commercial auto insurance?

Commercial auto insurance helps protect your business by covering vehicles owned by and used in your business, such as cars, trucks and vans. Travelers offers a broad commercial auto insurance product to ensure that company vehicles, and liability for their use, are properly protected. Commercial auto insurance protects your business against liability for damages caused by accidents involving your business autos and provides certain compensation to occupants injured in accidents. If your business owns vehicles, a commercial auto insurance policy can provide valuable financial protection to you, your business and your employees.

Who needs commercial auto insurance?

You need commercial auto insurance if your business owns or uses vehicles for work purposes. Commercial auto insurance is a business insurance policy that protects your business against liability for damages caused by accidents involving your business autos. It provides certain compensation to occupants injured in accidents.  

Travelers provides industry-specific coverage for commercial auto and fleet vehicles for certain sectors, such as thepublic sectorandoil and gas. Discover what policy type may be best for your business.

What does commercial auto insurance cover?

Commercial auto insurance can cover liability and physical damages, collision or comprehensive, medical expenses and damages caused by uninsured and underinsured drivers.  

Commercial auto insurance policies provide physical damage coverage for vehicles you own, lease, hire or borrow in your business. Commercial auto insurance also provides liability coverage for bodily injury and property damage caused to others by your use of insured business vehicles. 

Protect your business on the road

With Travelers, you can expect your commercial auto insurance policy to provide: 

  • Liability coverage– protection for bodily injury and property damage to others with limits of up to $1 million. 

  • Physical damage coverage– protects an owned vehicle against accidental loss or damage. 

  • Collision coverage– covers losses resulting from the collision of your covered vehicle with another object or the overturn of a covered vehicle. 

  • Comprehensive coverage– covers losses resulting from causes other than a collision or overturn. Collision with an animal or bird is available. 

Exclusions apply. Check with your agent. 

Additional coverage options

Choose Select Auto CoveragePlus® to include enhancements, such as: 

  • Auto lease gap coverage  in the event of a total loss, covers the difference between outstanding loan amount and the cash value of the vehicle. 

  • Employee hired auto coverage  provides hired liability and hired physical damage coverage to employees who rent vehicles in their own name while on company business. 

  • Blanket additional insured coverage  eliminates the need to list each contracted person or company as an additional insured. 

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Get coverage for your unique professional risks.

Related products & solutions

Provides a broad array of standard coverage features specifically designed to meet the property and general liability needs of small commercial customers, with the flexibility to further tailor coverage to meet your specific business needs.

The road is an uncertain place. Have peace of mind knowing that help is just a phone call away.

Coverage that helps protect public entities and municipalities such as law enforcement, emergency services and road and street maintenance vehicles.

For more than 70 years, Northland, a division of Travelers, has provided industry-leading products and services at competitive prices to the trucking industry.

Protection designed for commercial vehicles and mobile equipment used in the oil and gas industry.

Protection that helps protect you, your business and employees when using rented, hired or personally owned non-owned vehicles for work purposes.

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Solutions for small businesses

Travelers offers small business solutions to help you protect and grow your business.


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The winning combination

An arcade game manufacturer's sole delivery truck is damaged before a new product launch. The quick response by Travelers gets the vehicle back on the road in time. 

Related services

With more than a century of expertise and more than 500 Risk Control consultants, Travelers has the experience and technical proficiency to help businesses manage their risks. 

Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.


Insights to help you manage risks at work and on the road

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Get coverage for your unique professional risks.