Commercial Auto

Get personalized commercial auto insurance protection for your business.

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Commercial auto insurance for your small business

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles. Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

SAFE & SECURE

Customize coverage to match your business

Selecting commercial vehicle insurance coverage that meets your specific needs is vital to protecting your business and income. A commercial auto insurance quote typically includes:

  • Liability
  • Hired Auto
  • Physical Damage
  • Non-Owned Coverage
  • Medical Payments
  • Any Auto
  • Uninsured Motorist

We can also adjust your policy to reflect seasonal changes to keep your rates low and your coverage steady.We also provide special benefits including customized coverages, competitive rates, discounts, exceptional claims service and more.

Get more for your money.

We can shop many insurance companies to find options to help you save money on commercial auto insurance. Our companies offer flexible and convenient benefits and payment options, so you can focus on what matters most – your business. Here’s just a few of the many advantages of having commercial through Sun Coast:

Friendly Customer Service

Here to help you with any questions you may have.

Flexible Billing and Payment Options

Have a unique scenario? We will do what we can to set you up in the best way possible.

Unlimited Travel Radius

In most states, travel as much as needed to get your job done.

YOU'RE SAFE WITH US

What Commercial Auto Covers

Business Autos

Includes cars, light trucks, SUVs, vans and more. Business auto insurance customers enjoy advantages including discounts and access to network shops throughout the country.

Trucks

From dump trucks to tractor trailers, we have the experience you're looking for.

Trailers

We cover a wide range of commercial trailers ranging from pickup truck utility trailers to large dump body trailers pulled by a tractor.

Got questions? We have answers.

When do I need commercial auto insurance?

You need commercial auto insurance for any vehicle that your company uses for business purposes, any vehicle that has a commercial license plate or tag, and any vehicle that is registered as a commercial auto.You must also get commercial auto coverage if your employees will be driving or using vehicles in the course of doing business, whether making deliveries, driving people to the airport, or running errands on behalf of the business.

How much does Commercial Auto Insurance cost?

The national average monthly cost for commercial auto insurance shows the coverage to be very reasonable, but remember, your policy will be based on your business, drivers, and vehicles.

Business Auto - such as cleaning services, restaurants and shops - have an average cost of $165 a month.

Contractors - such as carpenters, electricians, landscapers and painters - have an average cost of $164 a month.

These averages are based on new industry premiums for commercial auto policies that met the following criteria:

  • Both primary liability and physical damage coverage were present
  • All drivers had clean driving records

Remember that these are averages and not necessarily what you’ll pay. The only way to know your exact cost is to get a quote. Just call us or start a custom quote online.

Several risk factors contribute to your premium including your profession, coverage needs, vehicles, drivers, driving history and location. Learn more about what influences your cost and what you can do to get the cheapest commercial auto insurance.

Does Commercial Auto cover personal use?

Yes. While personal auto insurance doesn’t cover a vehicle if it’s being used for business purposes, commercial auto insurance covers your vehicle for both commercial and personal use.

Do accidents in my commercial vehicle cause my rates to go up?

An accident doesn’t affect the rate of your current policy, but it could affect your rate when your policy is renewed. Your policy is rewritten every time it expires to reflect your current situation. Accident-related rate changes are determined by various factors such as who was at fault, the cost of the claim and your accident history. So, accidents are considered when determining your rate, but an increase isn’t guaranteed.

Do I have to pay a deductible for not-at-fault accidents?

Maybe. Deductibles apply whenever your policy’s collision or comprehensive coverages are used, regardless of who is at-fault. If the at-fault party was insured, we’ll attempt to recover your deductible from their insurance company. If they didn’t have insurance, we’ll attempt to collect it directly from them. Either way, the process of recovering your deductible from the other party is called “subrogation”.

Do I need special insurance to deliver pizza or other goods for a fee?

Yes, most likely. Most personal auto insurance policies won’t cover losses that occur while delivering for a fee. This includes pizza delivery and most other delivery services. If you don’t have a commercial policy on your vehicle and you get into a work-related accident, your claim might be denied and you could be held personally responsible for the damages. A commercial auto policy can prevent this from happening.

Why is Sun Coast the right choice for Commercial Auto insurance?

We have many options to help you save money on business auto insurance. Our programs offer flexible and convenient benefits and payment options, so you can focus on what matters most – your business. Here’s just a few of the many advantages of having commercial insurance through Sun Coast:

  • Friendly customer service
  • Customizable coverages - any time
  • Unlimited travel radius offered in most states
  • Flexible billing and payment options

Looking to get the most out of your insurance?

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Comparing our carrier's rates and coverage is easy.

Get your insurance quote and start saving today. Want to talk to one of our representatives? Give us a call and we can answer any question you may have.
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