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Commercial Auto

Coverage for the vehicles that carry your business.

From a single work van to a full fleet, commercial auto covers the vehicles, the drivers, and the liability that comes with putting your business on the road.

What we cover

  • Liability for bodily injury and property damage
  • Collision and comprehensive
  • Uninsured and underinsured motorist
  • Hired and non-owned auto liability
  • Medical payments

Why By America

  • Fleet or single-vehicle — policies scaled to how you actually operate.
  • Guidance on driver requirements and certificates for contracts.
  • Claims support that gets vehicles back in service fast.

Coverage terms, limits, and exclusions vary by carrier and policy form. We walk you through exactly what is and isn’t covered before you bind — no fine-print surprises.

Good to know

Questions we hear most.

Does my personal auto policy cover business use?

Rarely. Personal policies commonly exclude vehicles used for deliveries, hauling, or regular business travel — a denied claim is how most owners find out.

What is hired and non-owned auto coverage?

It covers liability when employees drive rented vehicles or their own cars for work. If anyone runs errands for your business, you need it.

How do I add or remove a vehicle mid-term?

Send us the VIN and effective date and we endorse the policy, usually same day. Premium is prorated.

Do my drivers’ records affect my premium?

Yes. Carriers review motor vehicle records for everyone who drives. A written driver-screening policy often earns better pricing.

Free quote

Ready for a number on this coverage?

Tell us a little about what you’re protecting. We’ll come back with options and real pricing — no obligation.