Does my LLC need commercial auto insurance?
If your LLC owns the vehicle, it almost always needs commercial auto. See when a personal policy still works, what HNOA covers and what it costs.
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Small business insurance quotes from several insurers, compared for you by a licensed agent.
Business on the road? Explore commercial autoCoverage for your business
Insurance for the work you do.
New authorities & owner-operatorsTrucking insurance
Primary liability, cargo and physical damage for your own authority or small fleet.
Explore For the tradesContractor insuranceLiability, workers’ comp, work trucks and tools for contractors and builders.
Explore Business vehiclesCommercial autoCars, vans and delivery vehicles your business owns, rents or uses for work.
Explore Business propertyCommercial floodClose the flood gap most business property policies leave open.
ExploreInsurance by industry
Coverage for your kind of business.
Trucking and transportation
- Box trucksCommercial auto: About $909 a month
- Car haulersCommercial auto: About $787 a month
- Charter and tour busesCommercial auto, $1 million limit: About $1,078 a month
- Concrete mixer trucksCommercial auto: About $816 a month
- Drayage and intermodal truckingFor-hire truck auto: $821 a month
- Dump trucksCommercial auto: About $987 a month
- Flatbed truckingCommercial auto: About $816 a month
Contractors and trades
- CarpentersGeneral liability: About $94 a month
- Concrete contractorsGeneral liability: About $119 a month
- Drywall contractorsGeneral liability: About $62 a month
- ElectriciansGeneral liability: About $61 a month
- Excavation and grading contractorsCommercial auto: About $370 a month
- Fencing contractorsGeneral liability: About $115 a month
- Flooring installersGeneral liability: $50–$77 a month
Coverage
Know what you’re buying.
- Commercial auto
- Trucking
- Commercial flood
- Builder’s risk
- Business interruption
- Business owner’s policy (BOP)
- Commercial crime and employee theft
- Commercial property
- Commercial umbrella and excess liability
- Contractor license and surety bonds
- Cyber liability
- Directors and officers (D&O)
- Employment practices liability (EPLI)
- Garage liability and garagekeepers
- General liability
- Hired and non-owned auto (HNOA)
- Inland marine (tools and equipment)
- Liquor liability
- Motor truck cargo
- Non-trucking and bobtail liability
- Occupational accident insurance for owner-operators
- Product liability
- Professional liability (E&O)
- Truck physical damage
- Workers’ compensation
Provider reviews
Compare the companies, not just the price.
Berkley Prime TransportationTrucking insurance business of W. R. Berkley CorporationCarolina CasualtyInsurance carrier focused only on trucking and public transportationNirvana InsuranceTelematics-based trucking insurance provider acting as an independent insurance producerNorthland InsuranceTrucking insurance company and a division of TravelersNational InterstateSpecialty transportation insurance company (carrier)Great West CasualtyInsurance carrier that writes only trucking insuranceGreat West Casualty Company vs Progressive CommercialSide-by-side comparisonNirvana Insurance vs Cover WhaleSide-by-side comparison
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Most-asked questions
- Certificate of liability insurance (COI): how to get one
- Do I need business insurance if I have an LLC?
- Business owner’s policy (BOP): what it covers and costs
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