Your business has a lot riding on those tires!

If you or your employees use your vehicles for tasks related to your business, your personal car insurance could leave you underinsured. Commercial vehicles aren’t limited to industrial transportation. Any vehicle used to carry out business tasks is subject to more risks than a personal vehicle. Don’t put your business and your employees at risk. Let the LoPriore team help you find the right commercial auto insurance policy to enjoy a smooth ride during the workday and after-hours.

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Commercial auto insurance is a policy that provides coverage for the vehicles associated with your business. This coverage protects your business from liability, bodily injury, or property damage caused by your vehicle. It also covers physical damage to your business vehicle. Any vehicle your business uses during the normal course of business operations should be protected with a commercial auto insurance policy.


A standard auto insurance policy excludes coverage for vehicles damaged while being used for business purposes. This means if there is an accident while taking care of business-related tasks, your standard policy won’t cover the claim. Then, you would be required to pay costs out-of-pocket. Whether your own, rent, or lease a private passenger vehicle or a fleet of trucks and trailers, a commercial auto insurance policy will provide the coverage you need to keep you and your employees safely insured from accidents.


Any business that uses motorized vehicles to perform the functions of their business needs commercial auto insurance.


Commercial vehicles aren’t limited to heavy-duty vehicles like dump trucks and semis. In fact, your daily driver could be considered a commercial vehicle. Any automobile being used to carry out regular tasks needs the extended coverage supplied by a commercial auto insurance policy. Commercial auto insurance is classified into 9 individual groups. The protection provided by your commercial policy is similar to your personal insurance coverage.

Commercial Auto Classifications

All business vehicles are classified into 9 symbols known as Covered Auto Symbols. These classifications are used on standard ACCORD application forms.

  • Symbol 1: Any automobile used by the business regardless of ownership – Use: Liability coverage
  • 2: All automobiles owned by the business (helpful for businesses possessing large fleets) – Use: Liability, Medical Payments, Uninsured Motorist and Physical Damage Coverages
  • 3: All private passenger vehicles owned by the business (helpful for fleets with different types of autos) – Use: same as symbol 2 plus towing and labor coverage
  • 4: All non-private passenger vehicles owned by the business (used for large working vehicles) – Use: same as symbol 2
  • 5: All owned autos requiring no-fault coverage – Use: No-fault or PIP coverage
  • 6: Autos used in states that require uninsured motorist coverage – Use: Uninsured motorist coverage
  • 7: Autos specified on schedule (listed specifically in the policy) – Use: All available coverages
  • 8: Hired vehicles not owned by the company (helpful for delivery vehicles and catering trucks) – Use: All policies except uninsured motorist
  • 9: Vehicles that aren’t owned by the business – Use: Liability coverage

Standard Commercial Insurance Coverage

  • Compulsory Bodily Injury: Coverage limits are $20,000 per person/$40,000 per accident for anyone injured by your auto in an accident which you are at fault. Coverage doesn’t extend to out-of-state, or your passengers.
  • Personal Injury Protection (PIP): This provides no-fault coverage of up to $8,000 for lost wages, medical, hospital, and funeral expenses, or replacement services.
  • Liability: This provides coverage for bodily injury and property damage when you or an employee is at fault. Replacement vehicles, legal fees, defense costs, and judgment awarded are also covered up to policy limits.
  • Medical Payments: When bodily injury is caused by an accident, coverage includes medical and funeral expenses for injured parties or family members.
  • Uninsured Motorists: When bodily injury occurs in an accident and an uninsured motorist is at fault, this coverage takes care of costs related to bodily injury.
  • Underinsured Motorists: This optional coverage takes care of bodily injury costs beyond another motorist’s limits.
  • Comprehensive Coverage: Events such as fire, theft, vandalism, and glass loss not caused by a collision are covered by comprehensive.
  • Collision Coverage: This coverage covers the costs of damage in the event your vehicle is damaged from impact with another vehicle or other object.
  • Loss of Use/Rental Reimbursement: In the event of a loss of a covered vehicle, this coverage will take care of the costs of a rental minus mileage or gas charges.
  • Towing and Labor: When covered private passenger vehicles are disabled, towing and on-site labor costs are covered.

Optional Coverages

  • Drive Other Car Coverage: This coverage protects employees who drive a company car but don’t own a personal vehicle.
  • Hired and Non-owned Liability Coverage: Generally used for errands and rental situations, this coverage supplies liability for employees driving a car owned by someone else.
  • Auto Loan/Lease Gap Coverage: This endorsement provides coverage for outstanding debts after the total loss of a vehicle that has been financed.
  • Loss of Use Expenses: This supplies business owners with a customized choice of limits to apply to loss of use expenses.
  • Dealer Physical Damage/Lot Coverage: This policy supplies coverage for damages to vehicles owned, financed, held for eventual sale, or in the temporary possession of your business.
  • Garagekeepers Liability: The garage policy combines coverage for the distinctive liability risks faced by auto dealers.
  • Truckers Coverage: This endorsement supplies coverage to carriers of hazardous substances and to motor carriers subject to regulation under the Motor Carrier Act of 1980.

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Commercial Auto Insurance Frequently Asked Questions

A commercial auto insurance policy is necessary anytime a motorized vehicle is used for business operations.

Yes. Any vehicle with commercial marking or branding must have a commercial auto insurance policy.

Generally, commercial plates are not required. If your vehicle is a private passenger vehicle, you can purchase commercial auto insurance without having commercial plates.

Commercial auto insurance is more expensive than personal auto insurance. Indeed, it covers unique risks like multiple drivers, more time on the road, and increased liability. However, comparing rates and taking advantage of discounts through your local independent agent can help reduce costs.

Learn More About Commercial Auto Insurance in Massachusetts

A commercial auto insurance policy can protect you from significant financial loss that could destroy your business. To learn more about customized commercial auto insurance that fits your lifestyle and budget, get in touch today. Our experienced agents are happy to answer your questions or provide you with a quick quote for the insurance policy you need.


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