Commercial Auto Insurance — Washington State
Keep Your Business Moving — Fully Protected
Personal auto policies don't cover vehicles used for business. Commercial auto insurance protects your work vehicles, your drivers, and your business from costly claims.
Why Your Business Needs Commercial Auto Coverage
If you use a vehicle for business purposes — deliveries, client visits, hauling equipment, or transporting employees — a personal auto policy likely won't cover you when something goes wrong. Most personal policies exclude business use, leaving you and your business exposed.
Commercial auto insurance is designed specifically for business vehicles. It covers higher liability limits, multiple drivers, specialized equipment, and the unique risks that come with using vehicles for work. We shop 20+ carriers to find the right coverage for your fleet or single work vehicle.
Commercial Auto Coverage Explained
Commercial auto policies include several coverage types. Here's what each one protects.
Commercial Liability — Bodily Injury
Pays for injuries caused to others when your business vehicle is at fault. Commercial limits are typically much higher than personal auto — $500,000 to $1,000,000 combined single limit is common. Protects your business from lawsuits after a serious accident.
Commercial Liability — Property Damage
Covers damage your business vehicle causes to other vehicles, buildings, or property. Higher limits than personal auto reflect the greater exposure of business use. Required for most commercial vehicle registrations.
Uninsured / Underinsured Motorist (UM/UIM)
Protects your drivers and business when an uninsured or underinsured driver causes an accident. Covers medical bills, lost wages, and vehicle damage. Critical coverage given that 1 in 5 Washington drivers is uninsured.
Collision Coverage
Pays to repair or replace your business vehicle after a collision — regardless of fault. If your work van hits a pole or gets rear-ended, collision covers the damage minus your deductible. Required by most lenders on financed vehicles.
Comprehensive Coverage
Covers non-collision damage to your business vehicle: theft, vandalism, fire, hail, and weather events. If your work truck is stolen or damaged by a storm, comprehensive pays for repairs or replacement.
Hired & Non-Owned Auto (HNOA)
Covers liability when employees drive rented vehicles or their personal cars for business purposes. If an employee rents a car for a business trip or uses their own car for a delivery and causes an accident, HNOA protects your business from the resulting liability.
Cargo Coverage
Covers goods and materials you're transporting in your business vehicle. If your cargo is damaged in an accident or stolen, cargo coverage pays for the loss. Essential for contractors hauling tools, delivery businesses, and any vehicle transporting client property.
Medical Payments / PIP
Covers medical expenses for your drivers and passengers after an accident, regardless of fault. Washington requires PIP to be offered on commercial auto policies. Helps cover medical bills quickly without waiting for fault determination.
Fleet Coverage
If you operate multiple vehicles, fleet coverage insures all of them under a single policy — simplifying management and often reducing cost per vehicle. We can quote fleets of 2 to 50+ vehicles across multiple carriers.
Protect your business vehicles today
We compare 20+ carriers to find the right commercial auto coverage for your business.
Commercial Auto — Common Questions
Get Your Commercial Auto Quote
Protect your business vehicles and drivers. We compare 20+ carriers to find the right coverage at the best price.