Commercial Auto Insurance

Protect your work vehicles and your business. Compare quotes and get coverage for your pickup truck, cargo van, or car you drive to job sites.

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We Work with Leading Commercial Insurance Carriers

We shop multiple companies on your behalf, so you can compare options in one place without having to contact each carrier separately.

Progressive
Geico
AssuranceAmerica
Bristol West

Protection for Your Business on the Road

What is commercial vehicle insurance and why does it matter?

Commercial vehicle insurance is coverage designed for vehicles used primarily for work. If you haul equipment to job sites, make deliveries, or drive clients as part of your job, a personal auto policy may not cover you when it counts. 

Commercial Auto Insurance Coverage Options

AADirect helps you compare and choose the right coverage combination for your vehicles and your work.

Liability Coverage

Essential protection for your business

Liability coverage helps pay for bodily injury and property damage to others when a covered vehicle is involved in an accident. It's required in most states and helps protect your business from significant financial exposure if a claim is filed against you.

Collision Coverage

Protection for your work vehicle

Collision coverage helps pay for damage to your business vehicle after an accident, regardless of who is at fault. Having this coverage can help you get your vehicle repaired quickly so your business stays operational.

Comprehensive Coverage

Protection beyond the road

Comprehensive coverage helps pay for damage caused by non-collision events like theft, vandalism, weather, and fire. Business vehicles face risks beyond accidents, and this coverage can help fill those gaps.

Uninsured and Underinsured Motorist Coverage

Coverage for added security

This coverage may help pay costs when an at-fault driver has no insurance or does not have enough to cover the damages. It can help limit out-of-pocket expenses for your business after an accident caused by someone else.

Tools and Equipment Coverage

Protect what's in the vehicle, too

Tools and equipment coverage can help protect the tools, equipment, and supplies you transport in or on your business vehicle. Standard auto policies typically exclude business tools, so this add-on may help cover what your base policy does not.

Additional Optional Coverage

Customize for your business needs

Depending on the carrier, optional coverage may include hired and non-owned auto, medical payments, and cargo coverage. Every business is different, and these options can help tailor your policy to your specific situation.

Built for Local Businesses Doing Light-Duty Work

AADirect specializes in coverage for small businesses and independent operators.

Contractors and Service-Based Businesses

Electricians, plumbers, HVAC technicians, landscapers, and similar tradespeople often use their vehicles to travel to job sites and haul tools or equipment. If that sounds like your work, a commercial policy may be the right fit.

Small Business Owners

Even one or two vehicles used for business purposes may require a commercial policy instead of a personal one. Getting started is straightforward, and our team can walk you through your options.

Businesses with Company-Owned Vehicles

If employees drive company vehicles, commercial policies can often extend coverage to additional listed drivers. AADirect can help you structure coverage across multiple vehicles or drivers based on your business needs.

Know Your Options and Get Covered Fast with AADirect

Get insured in three simple steps

01

Tell Us What You Need

Talk to an agent and answer a few simple questions about your vehicle type, business use, and coverage needs. It only takes a few minutes to get started.

02

Compare Coverage Options and Rates

We compare rates from multiple commercial carriers so you can review your options and find coverage that fits your business type and budget.

03

Choose Your Policy and Get Instant Proof of Insurance

Once you select a policy, you can get immediate or same-day proof of insurance so your business stays compliant and ready to work.

A Simple, Guided Shopping Experience

We take your business personally, with one-on-one support from agents in English and Spanish.

Access to Multiple Carriers

More options to help you save

Compare rates and coverage options from multiple companies without contacting each company separately. Shopping several carriers may help you find a more competitive rate for your specific business situation.

Customized Coverage

Built for how your business operates

Not every business has the same coverage needs. We can help you tailor coverage to your specific vehicle types, business uses, and risk levels. Whether you have one vehicle or a small fleet, your coverage can reflect how you actually work.

Dedicated Support

A licensed agent in your corner

Our licensed agents are here to guide you through the process from start to finish. They help you compare policies across multiple carriers and understand what your business needs. You don't have to figure this out on your own.

Getting Covered is Easier Than You Think

AADirect is built to remove the common barriers that make it hard for small business owners to get their vehicles properly insured.

Bilingual Support

Our licensed agents can help you in both English and Spanish. If you prefer to ask questions or review your coverage in Spanish, we're here for you. Clear information in your preferred language can help you make the right call for your business.

No Personal Credit Check

We work with carriers that do not require a personal credit check to get a commercial vehicle insurance quote. Your credit history is not a barrier to exploring your coverage options.

Flexible Payment Options

We understand that small business budgets can vary. Where available, carriers may offer flexible payment schedules to help make coverage more manageable. A licensed agent can walk you through the payment options that may apply to your policy.

Getting Covered is Easier Than You Think

Your Questions About Commercial Auto Insurance, Answered

Find quick answers to common questions about this product.

Commercial vehicle insurance is a policy designed to cover vehicles used for business purposes. It typically covers contractors, delivery drivers, service-based businesses, and small fleets. If you use a vehicle to perform work tasks, including hauling equipment or driving to job sites, a commercial policy may be the right type of coverage for your situation. 

Personal auto policies typically do not cover vehicles used primarily for business. If your vehicle is mainly used for work and you’re involved in an accident, your personal policy may not pay out. It’s worth speaking with an AADirect agent to understand what type of coverage fits how you actually use your vehicle. 

Some carriers offer the option to bundle commercial auto with other business coverage, which may help reduce overall costs. Available bundle options can vary by carrier and business type, so we recommend speaking with a licensed agent to explore what combinations may be available for your specific situation. 

Commercial policies can often extend coverage to additional listed drivers, including employees who use company vehicles. Coverage details vary by carrier and policy, so it’s a good idea to compare options and confirm what’s included before you choose a plan.

Yes, getting a quote through AADirect is free and there’s no obligation to purchase a policy. You can get started in just a few minutes, and a licensed agent is available to help you through the process if you have questions. 

No. Not all coverages may be available with every commercial auto insurance policy. Coverages, limits, deductibles, exclusions, and availability vary by insurer, policy, state, and customer qualifications. Please review the applicable policy terms, conditions, declarations, and endorsements for complete details.

Protect Your Work Vehicle Today

Getting a commercial vehicle insurance quote through AADirect is fast, free, and straightforward. Compare your options and find coverage that fits your business.

What to Know Before Choosing Commercial Auto Insurance

Resources from AADirect

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