Commercial Auto Insurance

What Is Commercial Auto Insurance?

Commercial Auto Insurance helps your business cover the financial costs resulting from an auto accident if you or an employee is found at fault. Commercial auto insurance helps pay for damaged property and medical expenses – even in the event of a fatal accident.
Commercial auto insurance will help protect you for example, if:
  • An employee hits a pedestrian while driving a company truck and the pedestrian requires medical treatment that results in substantial bills.
  • You accidentally swerve off the road while driving to work and take out a residential mailbox and have to pay for the damage.
  • An employee driving to work accidentally hits another car and totals it.
Get a commercial auto quote today to learn how easily you can protect your business while on the road.

Who Needs Commercial Auto Insurance?

Get commercial auto insurance if your business:
  • Owns, leases or rents vehicles such as cars and trucks.
  • Has employees who drive their own vehicles to conduct business.
  • Has employees who operate company vehicles that are leased, rented or owned.

Choose The Hartford

Unique, Customized Coverages

Every company faces unique risks, and we can customize policies to help meet specific business needs. Our downtime loss, rental reimbursement and towing coverage protects businesses for loss of income, provides rental reimbursement and covers towing expenses, up to policy limits, when a vehicle is damaged as a result of a covered physical damage loss.

Superior Business Auto Insurance Claims

Our experienced claims specialists are ready and able to help expedite a claim anywhere in the U.S. They’re dedicated to getting you back on the road – and back to business – as fast as possible.

How to Save Money on Commercial Auto Insurance

We offer more ways to help you save with additional benefits you can add to your commercial auto insurance policy with The Hartford.

Fleet Owners: Reduce Costs with Risk Engineering 

Our Risk Engineering team can provide businesses that own a fleet of vehicles with information on how they can improve safety and avoid accidents. This can include an in-depth analysis of the company’s driver safety records, a review of possible root causes of accidents, and recommendations on strategies to prevent accidents. Plus, our risk engineering team can recommend driver safety programs that could lead to savings on commercial auto coverage.
Our team can also help you introduce your drivers to the techniques of 3-D Driving: Drive Decisively. Drive Defensively. Drive Dependably.
Risk Engineering services may not be available to all customers. Contact a representative from The Hartford to confirm eligibility.

Additional Savings for Fleet Owners

Participate in our FleetAhead program, which uses telematics1 and real-time data to help fleet owners identify risk and prevent accidents, and you may be eligible for additional savings on your commercial auto insurance policy.
We also offer savings to reward customers for making safe choices and for paying in full. Contact your agent or a representative from The Hartford to learn more.

Get Extra Protection at No Additional Cost

The Hartford commercial auto insurance offers extra protection for your business at no additional cost. Get coverage for electronic devices, discounts for insuring hybrid and natural gas vehicles and coverage for leased and loaned vehicles.
Waiver of Subrogation – In the event of an accident caused by a third party, The Hartford will cover the loss and pay the insured within the terms of the endorsement and waives its right to subrogate. In other words The Hartford waives its right to pursue a claim against the third party that caused the accident.
Glass Repair Waiver of Deductible – When a covered vehicle requires glass repair, The Hartford waives the physical damage deductible.

One Deductible for Two – Only one deductible will apply when a single event causes damage to an auto covered by our auto policy and property damage covered by another policy from The Hartford.

Already have Commercial Auto Insurance and want to learn about other business coverages we offer? We have you covered.
1 Telematics refers to the use of wireless devices and “black box” technologies to transmit vehicle use data, in real time, back to a company. Proof of installation/ activation and use is required; discount applies to liability, medical payments, comprehensive and collision coverages. Proof includes: service agreement/ acknowledgment with telematics provider; user agreement with telematics provider; activation confirmation document/contract with OEM; summary report with telematics information or vehicle diagnostics report based on telematics use.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.