Commercial Auto Insurance

Get the Right Commercial Auto Insurance in Ohio and Drive with Confidence

Commercial Auto Insurance is not the same as a personal auto policy. The requirements and protections differ based on the type of vehicle, level of coverage, and how the vehicle is used. If you or your employees are driving a vehicle for business purposes anywhere in Ohio—whether transporting goods, passengers for hire, or using a vehicle to perform services—you need proper Ohio Commercial Auto Insurance.

Ohio Commercial Vehicle Insurance provides coverage for:

• Business vehicles (cars, vans, light trucks, and similar)
• Trucks (tractor-trailers, dump trucks, delivery trucks, and more)
• Trailers (utility trailers, flatbeds, dump body trailers, and others)

This insurance protects drivers, vehicles, and third parties in the event of an accident. Common coverage options include:

• Liability Coverage: Protects you if you are responsible for injuries or property damage.
• Uninsured/Underinsured Motorist: Pays for losses if another driver has little or no insurance.
• Medical Payments/Personal Injury Protection: Covers medical or funeral costs after an accident.
• Physical Damage: Includes collision and comprehensive protection against theft, fire, vandalism, or accidents.
• Non-Owned Vehicle Coverage: Extends liability coverage to vehicles your business uses but does not own.

Specialized trucking-related coverages include:

• Motor Truck Cargo: Protects the goods you transport in case of loss or damage.
• Motor Truck General Liability: Covers damage or injuries caused during business operations.
• Trailer Interchange: Provides coverage when you are hauling a trailer under a trailer interchange agreement.

For towing businesses, additional coverages may include:

• Garagekeepers Legal Liability: Protects customers' vehicles while in your care.
• On-Hook Towing: Covers vehicles you are towing against damage or loss.

The cost of coverage depends on factors such as driving history, type of vehicles, business operations, location, and the amount of coverage selected. Many Ohio businesses may also qualify for discounts depending on their safety record and coverage package.

If vehicles and trucks are essential to your business operations, proper insurance is critical. Accidents and unexpected events are unavoidable, but with the right Ohio Commercial Auto Insurance plan, you can keep your business moving without major interruptions. Contact our team of Ohio insurance professionals to explore the best coverage options tailored to your business needs.