COMMERCIAL INSURANCE

Commercial Auto

Coverage for cars, vans, pickups and other vehicles used in the course of business.

FZR PREMIER INSURANCE

Business vehicle protection that keeps you moving

Personal auto insurance may not be appropriate for vehicles owned by a business or regularly used for commercial operations. FZR Premier Insurance can help identify the right type of commercial auto policy and compare available carrier options.

Coverage options to consider

Auto Liability

May cover qualifying bodily injury and property damage liability arising from use of covered business vehicles.

Physical Damage

Collision and comprehensive options may help protect covered vehicles against qualifying damage or loss.

Hired Auto

Coverage may be available for certain vehicles rented, leased or hired for business use.

Non-Owned Auto

May help address certain liability exposures when employees use personal vehicles for business purposes.

Medical / UM Options

Available coverage varies by carrier, policy and vehicle use.

Fleet Options

Businesses with multiple vehicles may qualify for fleet-oriented policy structures depending on the carrier.

Who this coverage may be for

Contractors, service companies, delivery businesses, wholesalers, restaurants, professional firms and other businesses using vehicles for company operations.

Information that can help us quote your coverage

  • Vehicle ownership and use
  • Driver list and motor vehicle records
  • Radius of operation
  • Vehicle types and values
  • Cargo or equipment exposure
  • Required liability limits

Exact coverages, eligibility, pricing, exclusions and limits depend on the carrier, policy form and underwriting. We can help you compare available options and understand the differences before you choose a policy.

COMMON QUESTIONS

Commercial Auto FAQs

When do I need commercial instead of personal auto insurance?

If a vehicle is business-owned or used substantially for business activities, a commercial policy may be appropriate. The correct policy depends on ownership, use and carrier underwriting.

Can multiple business vehicles go on one policy?

Often yes, subject to carrier eligibility and underwriting.

Does commercial auto cover tools or cargo inside a vehicle?

Auto physical damage generally focuses on the vehicle itself. Tools, equipment or cargo may require separate inland marine, cargo or property coverage.

RELATED COVERAGE

Explore other insurance options

Need help choosing coverage?

We can compare options from multiple carriers.

Get a Quote Today