Commercial Auto Insurance

Keep your fleet protected with comprehensive commercial vehicle insurance. From single vehicles to large fleets, we provide coverage that keeps your business moving across 15 states.

Get Your Commercial Auto Quote

By submitting this form, you agree to be contacted by PCFG Insurance Services regarding your commercial auto insurance needs.

Commercial Auto Coverage Available In:

Alabama Arizona Florida Georgia Indiana Maryland Maine New Jersey New York North Carolina Ohio Pennsylvania Tennessee Texas Virginia

What is Commercial Auto Insurance?

Commercial auto insurance provides coverage for vehicles used for business purposes. It protects your business from financial losses due to accidents, theft, vandalism, and other covered events involving your commercial vehicles.

Key Coverage Types:

  • Liability coverage for bodily injury and property damage
  • Collision coverage for vehicle damage from accidents
  • Comprehensive coverage for theft, vandalism, and weather
  • Uninsured/underinsured motorist protection
  • Medical payments and personal injury protection
Get Commercial Auto Quote

Why You Need Commercial Auto

  • Personal auto policies don't cover business use
  • Higher liability limits for business risks
  • Protection for specialized vehicles and equipment
  • Coverage for hired and non-owned vehicles
  • Business interruption protection

Vehicle Types We Cover

From single vehicles to large fleets, we provide comprehensive coverage for all types of commercial vehicles across all our licensed states.

Delivery Vehicles

Comprehensive coverage for delivery trucks, vans, and specialized delivery vehicles.

  • • Box trucks and cargo vans
  • • Refrigerated trucks
  • • Package delivery vehicles
  • • Food delivery vehicles
  • • Courier vehicles

Service Vehicles

Specialized coverage for service trucks and vans with tools and equipment.

  • • HVAC service vehicles
  • • Plumbing trucks
  • • Electrical service vans
  • • Landscaping trucks
  • • Repair service vehicles

Heavy Equipment

Coverage for construction equipment and heavy machinery used in business operations.

  • • Dump trucks
  • • Excavators
  • • Bulldozers
  • • Cranes
  • • Concrete mixers

Company Cars

Professional coverage for company-owned passenger vehicles and executive transportation.

  • • Executive vehicles
  • • Sales team cars
  • • Company fleet vehicles
  • • Employee transportation
  • • Rental car coverage

Specialty Vehicles

Customized coverage for unique business vehicles and specialized transportation needs.

  • • Food trucks
  • • Mobile workshops
  • • Emergency vehicles
  • • Tow trucks
  • • Mobile medical units

Trailers & Equipment

Protection for trailers, attachments, and mobile equipment used in your business.

  • • Cargo trailers
  • • Equipment trailers
  • • Semi-trailers
  • • Utility trailers
  • • Mobile equipment

Comprehensive Coverage Options

Protect your business vehicles with comprehensive coverage options tailored to your specific needs and risks.

Standard Coverage

1

Liability Coverage

Protects against bodily injury and property damage claims from accidents involving your commercial vehicles.

2

Collision Coverage

Covers damage to your vehicles from collisions with other vehicles or objects.

3

Comprehensive Coverage

Protects against theft, vandalism, fire, weather damage, and other non-collision losses.

4

Medical Payments

Covers medical expenses for you and your passengers regardless of fault.

Additional Protection

  • Uninsured/Underinsured Motorist

    Protection when the other driver has no or insufficient insurance

  • Hired and Non-Owned Auto

    Coverage for rental vehicles and employee-owned vehicles used for business

  • Cargo Insurance

    Protection for goods and materials being transported

  • Motor Truck Cargo

    Specialized coverage for trucking and transportation companies

  • Rental Reimbursement

    Covers rental vehicle costs while your vehicle is being repaired

  • Roadside Assistance

    24/7 emergency roadside service for breakdowns and accidents

What Affects Your Commercial Auto Rates?

Understanding these factors can help you manage your commercial auto insurance costs effectively.

Vehicle Factors

  • • Vehicle type and size
  • • Age and value of vehicles
  • • Safety features and equipment
  • • Number of vehicles in fleet
  • • Vehicle usage and mileage

Driver Factors

  • • Driving records and experience
  • • Age of drivers
  • • Number of drivers
  • • Training and certifications
  • • Violation and accident history

Business Factors

  • • Type of business and industry
  • • Geographic operating area
  • • Claims history
  • • Safety programs in place
  • • Credit score and financial stability

Ways to Reduce Your Commercial Auto Costs

Fleet Management

  • Implement driver training programs
  • Install safety equipment and telematics
  • Regular vehicle maintenance
  • Monitor driver behavior and performance

Policy Management

  • Choose appropriate deductibles
  • Bundle with other business insurance
  • Review coverage annually
  • Work with experienced agents

Why Choose PCFG for Commercial Auto Insurance?

Our expertise in commercial auto insurance helps protect your fleet and business operations across 15 states.

Fleet Expertise

Specialized knowledge of commercial vehicle risks and fleet management best practices.

Competitive Rates

We shop multiple carriers to find you the best rates and coverage options for your fleet.

Claims Support

Dedicated claims support to minimize downtime and get your vehicles back on the road quickly.

Protect Your Fleet and Keep Your Business Moving

Get a competitive commercial auto insurance quote today. Our experts will help you find the right coverage for your vehicles and business operations across all our licensed states.

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