Commercial Auto Insurance

Commercial auto insurance provides coverage for vehicles used in business operations, including cars, trucks, vans, and specialty vehicles. Canopy Insurance Group works with businesses in Towson, MD and across our licensed states to help secure commercial auto insurance that aligns with how vehicles are owned, operated, and insured. This coverage is essential for businesses that rely on vehicles to transport goods, equipment, or employees.

When Is Commercial Auto Insurance Required?

If a vehicle is owned by a business, titled in a company name, or used primarily for business purposes, a personal auto policy may not provide coverage. Commercial auto insurance is often required for delivery vehicles, service trucks, construction vehicles, and fleets. Many contracts and client agreements also require proof of commercial auto insurance before work begins.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance policies are designed to address risks associated with business vehicle use. Coverage typically includes liability protection for bodily injury and property damage caused to others, as well as physical damage coverage for company-owned vehicles. Policies can often be structured to include multiple drivers, scheduled or non-owned vehicles, and varying coverage limits depending on business needs.

Businesses may also need coverage for hired and non-owned vehicles if employees use personal or rented vehicles for work-related tasks. Our agents help explain how these options apply based on your operations.

How Commercial Auto Fits into Your Insurance Program

Commercial auto insurance is commonly paired with general liability insurance and may be part of a broader commercial insurance strategy. Depending on your business, additional coverage such as workers compensation insurance may also be required. We help ensure your policies work together without gaps.

Request a Commercial Auto Insurance Quotes

If your business owns vehicles or relies on employee driving, Canopy Insurance Group is ready to help. Speak with a licensed agent to review coverage options and requirements. Visit our contact us page to get started.