Commercial Auto Insurance

Coverage for business-owned vehicles

Protect Your Vehicles on the Job

Business coverage that goes the distance

Whether you own one work van or a full fleet, commercial auto insurance helps protect your vehicles, your employees, and your bottom line. Standard personal car insurance doesn’t apply to vehicles used for business purposes—and in Pennsylvania, that could leave you exposed. From delivery vans to contractor trucks in East Norriton, we help businesses stay protected on the road. Let’s find a policy that fits how you drive and what you haul.

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What Commercial Auto Includes

Essential protection beyond personal policies

Liability Coverage

Pays for bodily injury and property damage you or your employees cause to others while driving a business vehicle.

Collision Coverage

Covers the cost to repair or replace your vehicle after an accident, regardless of who is at fault.

Comprehensive Coverage

Protects your vehicle from non-collision events like theft, fire, vandalism, or storm damage.

Uninsured/Underinsured Motorist Coverage

Helps cover costs if your business vehicle is hit by someone who has little or no insurance.

Medical Payments

Covers medical expenses for the driver and passengers in your company vehicle after an accident.

Why Your Business Needs It

Protection beyond the driveway

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Personal Auto Insurance Isn’t Enough

Most personal policies exclude business use, which means accidents in a company vehicle could leave you fully liable.

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It Keeps You Legal

Pennsylvania requires all vehicles—including business-owned ones—to carry minimum auto coverage.

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It Covers Employees, Too

If your team drives on the job, you’ll want coverage that protects them and your business assets.

Commercial Auto FAQs

Know what your policy really covers

  • Who needs commercial auto insurance in Pennsylvania?

    If your vehicle is used for business purposes—like transporting goods, driving to job sites, or carrying tools—you need commercial auto insurance. This includes contractors, delivery drivers, real estate agents, and more. In East Norriton and across the state, it’s essential for anyone driving in a business capacity. Personal auto insurance won’t cover these activities.


  • Can I add employees to my policy?

    Yes. You can list employees as approved drivers on your commercial auto policy, ensuring they’re covered when driving company vehicles. Some businesses even opt for policies that cover any employee who may drive. We’ll help you set it up so there’s no gap in coverage.

  • What’s the difference between commercial and personal auto insurance?

    Personal auto insurance is for everyday driving—commutes, errands, or family trips. Commercial auto insurance covers vehicles used for work-related tasks, like deliveries, hauling equipment, or transporting clients. The liability limits are typically higher, and coverage is designed for business risks.

  • Does commercial auto cover tools or inventory inside the vehicle?

    Not directly. While the vehicle itself is covered, tools and inventory usually require additional coverage like inland marine insurance or a business property rider. We can help you bundle these policies to ensure everything you transport is protected.

  • How much does commercial auto insurance cost in Pennsylvania?

    Costs depend on the type of vehicles, how they’re used, driving records, and coverage limits. A single work truck in East Norriton might cost a few hundred dollars a year, while a fleet of vans could be significantly more. We’ll tailor a quote based on your operation and driving history.