Cross-Sell Coverage

COMMERCIAL AUTO
FOR AUTO DEALERS

Your service loaners, shuttle vans, and business vehicles need their own coverage. Commercial Auto protects your dealership's fleet on the road.

Home/Commercial Auto Insurance

Note: Commercial Auto covers your business-owned vehicles. It does not cover your vehicle inventory (requires Dealers Open Lot) or customer vehicles in your care (requires Garagekeepers). See all dealer coverages →

Coverage Details

WHAT COMMERCIAL AUTO COVERS

Commercial Auto insurance covers your dealership's owned, leased, and hired vehicles used for business purposes. From service loaners to delivery vans, every vehicle your business operates on public roads needs this coverage.

Liability for accidents caused by your business vehicles
Collision coverage for owned business vehicles
Comprehensive coverage (theft, weather, vandalism)
Uninsured/underinsured motorist protection
Medical payments for vehicle occupants
Hired auto liability (rented or borrowed vehicles)
Non-owned auto liability (employee vehicles used for business)
Loading and unloading liability
Not Covered

WHAT IT DOESN'T COVER

Commercial Auto has important exclusions that require separate policies to fill the gaps in your coverage program.

Customer vehicles in your care (requires Garagekeepers coverage)
Vehicle inventory on your lot (requires Dealers Open Lot)
General business liability (requires Garage or General Liability)
Employee injuries (requires Workers' Compensation)
Personal use of business vehicles (separate endorsement needed)
Racing or competitive driving events
Fleet Specialists

We insure dealer fleets of all sizes — from a single loaner vehicle to a fleet of 50+ service vehicles. We'll find the right carrier and structure for your operation.

Get a Fleet Quote
See the Full Picture

HOW COMMERCIAL AUTO FITS YOUR DEALERSHIP

Commercial Auto covers your business vehicles — the shuttle van, service loaners, and tow trucks you operate every day. Explore our interactive dealership map to see all 9 coverage types and how they work together to protect your entire operation.

Explore Coverage Map
Interactive dealership coverage map
Click any zone to explore coverage
Vehicle Types We Cover

WHAT VEHICLES QUALIFY

Service Loaner Vehicles

Vehicles provided to customers while their car is being serviced.

Shuttle & Transport Vans

Customer shuttle vans, employee transport, and courtesy vehicles.

Tow Trucks

Rollbacks, flatbeds, and hook-and-chain trucks used for towing operations.

Delivery Vehicles

Trucks and vans used to deliver parts, vehicles, or equipment.

Service & Utility Trucks

Work trucks used by technicians for mobile service calls.

Executive & Demo Vehicles

Vehicles used by owners, managers, or for demonstration purposes.

Common Questions

FREQUENTLY ASKED QUESTIONS

INSURE YOUR FLEET — GET A QUOTE TODAY

From a single service loaner to a full fleet, we'll find the right Commercial Auto coverage for your dealership at competitive rates.