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Auto Business

Commercial auto insurance provides protection for any vehicle designated for your organization’s use against both property damage and liability.

Get a Quote Call us at (317) 253.1155


  • Carpenters, painters, and other contractors
  • Landscapers and plow services
  • Caterers, real estate, sales, etc.


  • Property damage liability
  • Liability for bodily injury to others
  • Medical Expenses
  • Property Damage to your vehicle
  • Uninsured and underinsured motorist coverage
  • Rented or borrowed vehicles

Cost Factors

  • Year, Make, Model of the vehicle
  • Cost New of the vehicle
  • Radius driven
  • Where vehicle is principally garaged
  • Usage of the Vehicle
  • Coverage amounts

Claim Examples

  • Hail damage
  • Ambulance charge for taking injured to hospital
  • The damage you cause for an at-fault accident, both to others and their vehicle
  • Your employee injures someone while driving their own car on a work errand
  • Damages and injuries caused by someone without insurance
  • Windshield chips or cracks

Commercial vehicle insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.  Having an insurance professional review your exposures is important in making sure you have the right limits and coverages.

Unattached tools and materials transported in your vehicle are not covered by commercial auto insurance but could be covered as part of a business owner or equipment floater policy.