Commercial Auto Insurance

Better protect your business vehicles and employees when they’re on the road with this essential coverage.

A woman and a man both in red shirts in a delivery van.

Find an Agent

What Is Commercial Auto Insurance?

Commercial auto insurance, also known as business auto insurance, helps protect both your business vehicles and the employees who drive them. Commercial auto insurance is a lot like personal car insurance because it offers a similar set of coverages. However, policy limits tend to be higher as businesses may need more financial protection. Most policies will cover a range of vehicles, including:

Cars
Vans
Pickup Trucks
Box Trucks
Service Utility Vehicles
Semi-Trucks

Whether you own a single company car or an entire fleet, commercial auto insurance is essential for your business.

File A Claim

Need to File a Commercial Auto Claim

Call us at 800.243.0210, option 3, to report your claim — we’re here to help 24 hours a day, 365 days a year.

Call Now

Available Coverages

What Does Commercial Auto Insurance Cover?

When selecting insurance for company cars, make sure you’re choosing a commercial auto insurance company that offers coverages that meet your specific needs. A commercial auto insurance quote from Westfield typically includes*:

Liability Insurance

Protects against bodily injury and property damage if you or an employee is at fault for a covered car accident.

Comprehensive Coverage

Helps cover damage caused by something other than a vehicle collision, such as animals, theft, vandalism, or severe weather.

Collision Coverage

Pays to repair or replace your vehicle if it collides with another vehicle or object, overturns, or rolls.

Uninsured/Underinsured Motorist Insurance

Helps cover costs if you’re in an accident with someone who doesn’t have enough liability coverage.

Medical Payments

Pays for medical expenses for individuals involved in a vehicle accident, regardless of who is at fault.

Man standing in front of a work van with tools.

Businesses That Benefit

Do I Need Commercial Auto Insurance?

Whether you own a large or small business, auto insurance is essential if you or your employees use vehicles as part of your operations. In fact, most states require you to have commercial auto insurance if your company uses business vehicles. Here are just some of the businesses that could benefit from this coverage:

Caterers
Contractors
Distributors
Electricians
Landscapers
Plumbers
Real estate agents
Restaurants

Loading component...

Hear From Our Customers

I have been with Westfield for many years. I have worked with other insurance companies through my business and find that I am sooooo happy with Westfield. They have never given me a reason to look for a different company.
– Bill F., Commercial Lines Customer

A map of where Westfield offers commercial auto insurance.

Our Footprint

Where We Offer Commercial Auto Insurance

Westfield offers commercial auto insurance in the following states:

Arizona, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, West Virginia, and Wisconsin.

Loading component...

Customize Your Policy

Explore Other Add-On Coverage Options

General Liability

Coverage for when bodily injury or property damage happens on your premises, regardless of whether you’re legally responsible.

Commercial Property

Coverage for your buildings, your business property, and the personal property of other people.

Business Interruption

Coverage that keeps the cash flowing and helps you meet your obligations while working to get back in business.

Commercial Cyber

Insurance that provides first- and third-party coverage against losses like data breaches, extortion, and ransomware.

Crime Insurance

Protection against theft of money or property inside or outside your premises under certain circumstances.

Equipment Breakdown

Coverage for the cost to repair or replace equipment and any property damaged by the equipment breakdown.

Inland Marine

Coverage for property that is movable or used in multiple locations, such as equipment, tools, and goods in transit.

Workers’ Compensation

Coverage that pays for the medical care, rehabilitation costs, and lost income of employees who are injured on the job.

Commercial Umbrella

Protection beyond the coverage limits of your business policy that is typically used for larger exposures.

Loading component...

Find an Agent Near You

Commercial Auto Insurance Quotes

It doesn’t matter if you rely on a single company car or manage an entire fleet of semi-trucks, Westfield offers coverage tailored to your business. Reach out to an agent to start the commercial auto insurance quote process today.

Contact an Agent

Commercial Auto

Frequently Asked Questions

Do I need both commercial and personal auto insurance?

It depends. In certain instances, a small business owner may only need personal auto insurance. To determine what type of auto insurance is right for your business, talk to a Westfield agent.

How much is commercial auto insurance?

Most commercial auto insurance companies weigh a variety of factors to determine the cost of your policy, such as:

Your industry
Vehicle types
Employee driving records
Location
Claims history

The best way to find out how much this coverage will cost is to get a commercial auto insurance quote from an agent. Reach out to a Westfield agent to get started.

Does commercial auto insurance cover personal use?

It depends. In some instances, a business auto insurance policy will cover vehicles for both commercial and personal use. Contact an insurance agent to determine the right amount of coverage for your business.

Are tools and materials in my company vehicle covered with a commercial auto policy?

It depends. Permanently attached equipment, such as a ladder rack or a truck bed toolbox, is typically covered by a commercial auto policy. However, protection for any additional tools or materials will likely require inland marine insurance coverage.

Loading component...

*Please review your actual policy language to see applicable coverages, limits, and exclusions.