Commercial Auto Insurance
Whether you manage a single work truck or an entire fleet, commercial auto insurance is essential for protecting your vehicles, employees, and business. At The Mackrides Insurance Group, we help Pennsylvania business owners get reliable coverage for company cars, delivery vans, service vehicles, and more-so you can stay on the road with confidence.
Do I Need Commercial Auto Insurance?
If your vehicles are used for business purposes, personal auto policies usually won't cover accidents or liability. Commercial auto insurance fills that gap.
Covers Accidents & Liability
Protects against injuries, property damage, and legal expenses after an accident.
- Pays for damage to other vehicles or property
- Covers medical costs for injured parties
- Provides legal defense when needed
Protects Your Vehicles
From delivery vans to construction trucks, your vehicles are critical to your operations.
- Collision coverage for work-related accidents
- Comprehensive coverage for theft, vandalism, or weather
- Helps replace or repair business-owned vehicles
Meets State & Contract Requirements
Many contracts and Pennsylvania law require commercial auto policies.
- Ensures compliance with local regulations
- Required for vehicles titled in a business name
- Meets insurance standards for commercial clients
Peace of Mind for Employees
Keeps your drivers protected while representing your company.
- Covers employee drivers
- Extends liability protection to all insured vehicles
- Options for hired or non-owned auto coverage
Commercial auto policies include a mix of required and optional coverages:
What Does Commercial Auto Insurance Cover?
Liability Coverage
Covers injury or property damage you cause.
Collision Coverage
Repairs or replaces company vehicles after an accident.
Comprehensive Coverage
Protects against theft, fire, vandalism, or weather events.
Medical Payments Coverage
Pays for driver and passenger medical costs.
Uninsured/
Underinsured Motorist Coverage
Covers damages caused by drivers with insufficient insurance.
Understanding Commercial Auto Insurance Options
Every business has unique vehicle needs. We'll help you create the right policy:
- Fleet Coverage - Flexible policies for multiple vehicles.
- Hired & Non-Owned Auto - Covers employees using personal cars for work.
- Rental Reimbursement - Keeps your operations moving if a vehicle is in the shop.
- Multi-Policy Discounts -
Bundle auto with property or liability for savings.
Frequently Asked Questions
Do I need commercial auto insurance for one vehicle?
Yes, if it's used primarily for business purposes, personal auto insurance won't provide full coverage.
What types of vehicles are covered?
Cars, vans, pickup trucks, box trucks, and specialty service vehicles.
Does commercial auto cover employees?
Yes, policies can extend to employees driving company vehicles.
Can I add roadside assistance?
Yes, optional coverage for towing and breakdowns is available.
Is coverage required for vehicles I lease?
Yes, leased or financed vehicles often require commercial auto insurance with specific limits.
