about commercial auto insurance
About commercial auto insurance
Vehicles used for business, such as cars, trucks, and vans, are covered by commercial auto insurance. Damage to vehicles and injuries to drivers are both covered under commercial auto insurance.
GEICO offers free commercial auto insurance quotes for businesses that operate vehicles. We’ve been doing this for over 70 years, and we’re dedicated to providing your business with the affordable commercial auto insurance it requires. If your company is large or small, we can help you design a policy that fits your needs.
What is covered by commercial auto insurance?
The following are examples of what commercial auto insurance does not cover:
- Damage to your vehicle(s)
- Driver injury
- Injury to someone else
- Damage to someone else’s property
In the event of an accident involving a commercial vehicle compared to a personal car, the policy’s coverage level is typically larger.
What type of vehicles are covered by commercial auto insurance?
- Pickup trucks
- Box trucks
- Service utility trucks
- Food trucks
Semi-trucks and tractor-trailers are not covered at this time.
Who needs commercial auto insurance?
A commercial auto policy is required if you or any of your workers use your vehicle for business purposes. Vehicles belonging to the following individuals and organizations are frequently the subject of our attention:
- Professionals in the fields of electrical engineering, plumbing, and air conditioning
- Workers such as electricians, plumbers, and others in the construction industry.
- Services such as landscaping and snow removal
- Vendors and caterers of food
- Other business types, like real estate and sales
Rideshare insurance is required whether you drive for Uber, Lyft, or a delivery service like Amazon Flex or Grubhub.
Without commercial auto insurance, you risk:
- Limited or non-existent protection in the event of an accident while operating your vehicle for work purposes
- Repairs, injuries, and other expenses must be paid for out of pocket (DPO).
- Having your motor insurance canceled
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