What Is Commercial Auto Insurance?

If your business uses vehicles to deliver products, transport tools, or move people, you need commercial auto insurance in Illinois to stay protected and compliant. From food trucks and contractor vans to company cars and service fleets, Insured ASAP helps businesses across the state find the right coverage.

Our policies are affordable and built for real-world risks. For a free quote in minutes, call us at (800) 641-7488 or get a quote online.

What Vehicles Can Be Covered?

Commercial auto insurance isn’t just for large companies with massive fleets. At Insured ASAP, we help insure businesses of all sizes with a wide variety of vehicles used for work.

Here are just some of the commercial vehicles we commonly cover:

• Pickup trucks
• Cargo vans
• Box trucks
• Food trucks
• Company SUVs and sedans
• Shuttle buses
• Contractor vehicles
• Limos
• Non-emergency medical transport (NEMT) vehicles
• Tow trucks
• Snowplows

Keep in mind this list isn’t exhaustive. We know that every business is different. If you don’t see your vehicle type listed here, check our page dedicated to commercial trucking insurance. Or, just give us a call. Our agents will help determine the best commercial auto policy for your specific needs.

Types of Commercial Auto Coverage

The core purpose of commercial auto insurance is to protect your business from financial loss. A well-structured policy combines mandatory protections with additional options that suit your operations.

Standard Coverages

These coverages form the foundation of most business auto policies:

• Bodily Injury Liability:
  Covers medical expenses and legal costs if your driver injures another person in an accident.
• Property Damage Liability:
  Pays for damage to someone else’s vehicle or property caused by your driver.
• Collision Coverage:
  Pays to fix or replace your commercial vehicle after an accident, regardless of fault.
• Comprehensive Coverage:
  Protects against non-collision risks like theft, vandalism, fire, or storm damage.
• Uninsured / Underinsured Motorist:
  Covers injuries and damages if your vehicle is hit by someone with insufficient or no insurance.

Having these protections in place gives you peace of mind and ensures your business won’t face catastrophic expenses if something goes wrong on the road.

Optional Add-Ons

Depending on how your vehicles are used, you may benefit from additional coverages. These options are especially useful for businesses with leased vehicles, employee drivers, or unique usage patterns:

• Hired and Non-Owned Auto (HNOA):
  Covers vehicles used for business that your company doesn’t own, such as rentals or employee-owned cars
• Rental Reimbursement:
  Pays for temporary replacement transportation if a covered vehicle is being repaired
• Roadside Assistance:
  Helps with towing, jump starts, and other breakdown-related services
• Gap Coverage:
  Bridges the difference between a vehicle’s actual cash value and what’s still owed on a loan or lease

Our team will walk you through which options make the most sense, so you’re never paying for more than you need, but always covered for what matters.

Are There Minimum Coverage Requirements in Illinois?

Yes. Like all drivers in Illinois, commercial vehicle owners must meet the state’s minimum liability limits: $25,000 for injury to one person, $50,000 per accident, and $20,000 for property damage (commonly referred to as 25/50/20 coverage).

However, for most commercial operations, these minimums aren’t enough. If your business transports goods, equipment, or passengers, or if your vehicle is essential to daily operations, higher liability limits are often required. Insured ASAP will build a policy for you that meets legal minimums and protects your business from financial exposure.

What About Personal Vehicles Used for Business?

Most personal policies explicitly exclude coverage for business use. Let’s say an employee drives your personal SUV to deliver equipment and gets in an accident. If you don’t have commercial coverage, the claim could be denied, and you could be held personally liable. That’s why commercial auto insurance is essential anytime your vehicle is used for business purposes, even occasionally.

Commercial Fleet Insurance in Illinois

As your business grows, so might the number of vehicles you rely on. Whether you’re managing three work vans or a large-scale operation with dozens of trucks, fleet insurance allows you to bundle your vehicles under a single policy.

Fleet insurance is especially valuable for industries where logistics and mobility are critical to operations. Businesses that benefit from commercial fleet insurance include:

• Delivery services and couriers
• HVAC, plumbing, and electrical contractors
• Medical transportation companies
• Food trucks and catering businesses
• Municipal and nonprofit organizations

One of the biggest advantages of fleet insurance is efficiency. You don’t have to manage separate policies for each vehicle. Instead, you get a single policy, one renewal date, and uniform coverage terms. This can also translate to lower premiums per vehicle and simplified billing.

Why Choose Insured ASAP?

There are plenty of insurance companies in Illinois, but Insured ASAP is built to serve businesses like yours. We work quickly, offer competitive rates, and simplify the entire process from start to finish.

Here’s what makes us the go-to choice for commercial auto insurance in Illinois:

• Instant access to multiple carriers:
  We shop your coverage across top-rated providers so you don’t have to
• Expert agents, not salespeople:
  We educate and guide instead of pressure-selling
• Chicago-based, Illinois-focused:
  We know state filing requirements, regulations, and regional risks
• Fast turnarounds:
  Need proof of insurance today? No problem
• Industry versatility:
  From local contractors to delivery fleets, we have the right policy for your business

In short? We make getting insurance easy, and we do it without wasting your time or inflating your costs.

Get a Fast Quote on Illinois Commercial Auto Insurance

Ready to protect your business vehicles? Whether you need a single vehicle policy or comprehensive commercial fleet insurance in Illinois, our team is ready to help.

We’ll walk you through the quote process by asking a few simple questions like:

• How many vehicles does your business operate?
• What are the make, model, and mileage of each vehicle?
• How are the vehicles used, and how far do they travel?

Once we gather the details, we’ll find the best coverage options at the best rates without the guesswork. Call (800) 641-7488 to get a free, personalized quote today or fill out our online form to get started. Insured ASAP is here to help you move forward with confidence.

Frequently Asked Questions About Commercial Auto Insurance in Illinois

Do I need commercial auto insurance if I use my personal car for business?

Yes, you need commercial auto insurance if you use your personal car for business. If you use your personal vehicle to transport goods, meet clients, or run business errands, your personal policy may not cover you. A commercial auto policy ensures you’re protected while driving for work.

What’s the difference between hired and non-owned auto insurance?

Hired and non-owned auto insurance (HNOA) covers vehicles your business doesn’t own but uses for work purposes.

• Hired auto covers vehicles you rent or lease for business activities.
• Non-owned auto covers personal vehicles owned by your employees but used for work (e.g., running business errands).

HNOA is especially important if your employees ever drive their own cars — or rentals — on behalf of your business, as your standard commercial auto policy likely won’t cover those vehicles.

Is commercial auto insurance required by law in Illinois?

Yes, commercial auto insurance is required by law in Illinois. Any vehicle operated on public roads in Illinois must meet the state’s minimum liability insurance requirements. Businesses must also meet any additional requirements imposed by contracts, clients, or insurers.

What kinds of businesses typically need commercial auto insurance?

Contractors, delivery services, transportation providers, food trucks, and mobile service businesses are just a few examples. If you drive for business purposes, commercial auto coverage is usually required.