Coverage That Keeps Your Business Moving
Commercial Auto Insurance
Commercial auto insurance needs to be on your radar if your business uses vehicles for anything beyond a basic commute. Whether you've got a single pickup or an entire fleet of work vans, commercial auto coverage protects your vehicles—and your business—when accidents happen.
Let's say one of your employees gets into a fender bender while making a delivery. Or maybe your work truck gets sideswiped in a parking lot. A personal auto policy isn't going to cover damages if the vehicle is being used for business purposes. That's where commercial auto insurance steps in—covering not only the vehicle itself but the people in it and anything (or anyone) it hits.
What Kind of Businesses Need Commercial Auto Insurance?
It's not just trucking companies and delivery drivers. You need commercial auto insurance if you:
- Drive to job sites or client locations
- Use your vehicle to transport tools, equipment, or goods
- Have employees who drive as part of their job
- Operate vehicles owned or leased by your business
- Use trailers, vans, or other specialty vehicles
So whether you run a plumbing business, deliver catering, operate a mobile pet grooming service, or haul landscaping equipment—you're probably overdue for a conversation about proper coverage.
What Does Commercial Auto Insurance Cover?
Here's a breakdown of what a good commercial auto policy typically includes:
- Liability Coverage – Covers bodily injury and property damage you're responsible for in an accident.
- Collision Coverage – Pays to repair or replace your vehicle after an accident—regardless of fault.
- Comprehensive Coverage – Covers damage from things like theft, vandalism, fire, hail, or hitting a deer.
- Uninsured/Underinsured Motorist – Protects you if someone without insurance (or not enough of it) hits your vehicle.
- Medical Payments/Personal Injury Protection (PIP) – Helps pay for medical expenses for you or your passengers after an accident.
Get An Insurance Quote
Click to get a quote online or call to talk to an insurance agent. We'll help you protect your business, home, auto, life, and more.
More Protection You Might Need
Depending on how your business operates, you might want to consider these important additions:
Hired and Non-Owned Auto Insurance (HNOA)
This coverage is a must-have if your employees ever drive personal vehicles or rented cars for work purposes. That might be a quick trip to the bank, picking up materials, or using a rental vehicle while another is in the shop. If something happens on that trip, your business could still be liable—even if you don't own the vehicle.
HNOA steps in to provide liability protection when vehicles not owned by your business are being used on company time.
Trailer Coverage
If your business tows trailers—whether for hauling tools, equipment, or cargo—standard auto coverage might not be enough. Trailer coverage helps protect the trailer itself and what's inside it, whether you're moving landscaping gear, machinery, or inventory.
Even utility trailers used occasionally for business-related tasks should be properly covered, especially if they're used offsite, parked overnight, or stored away from your primary location.
Other Helpful Add-Ons
- Roadside Assistance & Towing – Because downtime costs money.
- Rental Reimbursement – Covers the cost of a temporary replacement vehicle after a covered claim.
- Gap Coverage – For financed or leased vehicles, to help pay the difference between what's owed and what the vehicle's worth.
Let's Get You Covered
We help business owners across Mississippi and the Southeast figure out what they actually need—without overcomplicating things. We'll work with you to customize a policy that protects your people, your property, and your peace of mind.
Whether you've got one van or a dozen work trucks, we'll make sure you're ready to roll when the unexpected comes your way. Ready to talk coverage? Let's hit the road.
Experienced Risk Advisors
We've been protecting Mississippi businesses for decades. From mom-and-pop shops on the Coast to major operations across the state. Our risk advisors have seen and helped protect just about everything. And thanks to our partnership with Leavitt Group, we've got the reach and resources of a national network, without losing that local touch.
Thinking about starting a business? Already running one and wondering if your coverage still fits? We’re here for that. We'll walk you through your options, answer the questions Google can't, and pull competitive quotes from multiple insurance companies—no pressure, no sales-y nonsense.
We don’t just sell policies. We build real, working relationships. We take the time to understand your business and make sure your coverage actually covers you—not just the bare minimum, but what makes sense for your unique risks. We’re in this with you, not just for the sale.
