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commercial auto insurance

Insure Connecticut:
Commercial Auto Insurance

Protect your business and your employee from the unexpected events on the road.


Commercial auto insurance helps cover the costs of an auto accident that occurs while you or an employee is using a company-owned vehicle for work purposes. Even in the event of a deadly accident, this coverage can assist pay for property damage and medical expenses.

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Who Is Required to Have Commercial Auto Insurance?

  • Vehicles, such as cars and trucks, are owned, leased, or rented.

  • Has employees that drive their cars for work.

  • Has employees that drive corporate vehicles that are leased, rented, or owned by the company.

Commercial Auto Insurance Coverage

  • Bodily injury liability coverage  - compensates for bodily injury or death caused by an accident in which you are at fault and, in most situations, provides legal defense.

  • Property damage liability coverage - protects you if your car accidentally damages another person's property and, in most situations, provides you with legal protection.

  • Combined single limit (CSL) - Liability plans often include different limits for bodily injury and property damage claims. A combined single limits policy provides the same cash amount of coverage per covered occurrence, whether bodily injury or property damage, and whether the occurrence involves one or more people.

  • Medical payments, no-fault or personal injury coverage – compensate for the medical expenses incurred by the driver and passengers in your vehicle as a result of a covered accident, regardless of fault.


  • Uninsured motorist coverage –compensates you for your injuries and, in some cases, property damage caused by an uninsured or hit-and-run driver. Underinsured motorist coverage is sometimes provided. This is for circumstances where the at-fault driver does not have enough insurance.


  • Comprehensive physical damage coverage - compensates you for vehicle damage caused by theft, vandalism, water, fire, and other insured perils.

  • Collision coverage- pays for damage to your car when it collides with or is collided with another object.

Do you have a question about your policy?

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