Commercial Auto Insurance

Coverage Designed for Vehicles Used for Work

What Commercial Auto Insurance Covers

Commercial auto insurance is designed to protect vehicles used for business purposes, along with the drivers and companies that rely on them. Whether your business owns a single vehicle or manages a fleet, using vehicles for work introduces risks that personal auto insurance policies typically do not cover. At DRD Insurance, we help business owners understand commercial auto insurance and secure coverage that reflects how vehicles are used in daily operations. Commercial auto insurance can help cover liability for bodily injury and property damage, physical damage to vehicles, and certain legal and medical expenses resulting from covered accidents. Businesses across many industries rely on vehicles for deliveries, service calls, transportation of equipment, or employee travel, making proper coverage essential. Coverage needs vary depending on vehicle type, usage, driver profiles, and industry requirements. As an independent insurance agency, DRD Insurance compares commercial auto insurance policies from multiple carriers to help ensure coverage limits, deductibles, and exclusions align with real-world risk. We take the time to explain how coverage applies when employees drive company vehicles, use personal vehicles for business purposes, or transport goods and equipment. Commercial auto insurance is not simply a compliance requirement—it is a critical safeguard that helps protect your business from financial loss, legal exposure, and operational disruption caused by accidents on the road.

Protect Drivers, Vehicles, and Your Business

Liability Coverage for Business Vehicles

Commercial auto insurance helps cover bodily injury and property damage claims resulting from accidents involving business-owned or business-used vehicles, protecting companies from significant legal and financial exposure.

Physical Damage Protection

Policies may include collision and comprehensive coverage to help repair or replace business vehicles damaged by accidents, theft, vandalism, or weather-related events.

Employee and Vehicle Usage Considerations

Coverage can be tailored to account for employee drivers, multiple vehicles, and different usage patterns, ensuring insurance reflects how vehicles are actually used for business.

Managing Risk on the Road

At DRD Insurance, we approach commercial auto insurance with a focus on practical protection and long-term reliability. Our process begins by understanding how vehicles are used in your business, who drives them, and what types of risks are present on the road. Because we are an independent agency, we are not restricted to a single carrier’s commercial auto policy. This allows us to compare coverage options, explain differences in policy terms, and tailor solutions to your specific operations. We help business owners avoid common coverage gaps, such as assuming personal auto policies extend to business use or overlooking non-owned and hired auto exposures. Our team stays informed about carrier underwriting standards, claims trends, and regulatory requirements so guidance remains accurate and relevant. If an accident occurs, we assist clients with understanding the claims process and next steps, reducing confusion during stressful situations. As businesses grow, add vehicles, or change operations, we proactively review coverage to ensure protection keeps pace. At DRD Insurance, commercial auto insurance is not treated as a standalone policy—it is an integrated part of your overall risk management strategy.