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Commercial auto insurance protects your business from the devastating financial losses that can occur if you or an employee is involved in an accident. Any business that owns, leases, or rents vehicles for operational purposes needs a commercial auto policy. These policies also cover employees using personal vehicles for work-related tasks.
At Insured ASAP, we frequently insure a wide variety of industries, including:
- Contractors (HVAC, plumbing, electrical)
- Delivery services and couriers
- Food trucks and catering businesses
- Non-emergency medical transport (NEMT) companies
- Municipal and nonprofit organizations
In Illinois, commercial vehicles must meet the state’s minimum liability limits (commonly referred to as 25/50/20 coverage). However, because businesses carry higher risk and more assets, standard commercial auto policies are built with much higher limits to ensure you remain fully protected.
What Does Commercial Auto Insurance Cover?
A well-structured commercial auto policy combines mandatory state protections with additional options tailored to your daily operations. A standard policy typically includes:
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Liability:
Covers bodily injury (medical expenses and legal costs if your driver injures someone) and property damage (costs to repair someone else’s vehicle or property).
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Collision:
Pays to fix or replace your commercial vehicle after an accident, regardless of who is at fault.
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Comprehensive:
Protects against non-collision risks, such as vehicle theft, vandalism, fire, or severe weather damage.
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Uninsured/Underinsured Motorist:
Covers your injuries and damages if your commercial vehicle is hit by a driver who has insufficient or no insurance.
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Medical Payments:
If you and your passengers are injured in an accident, commercial auto insurance will cover your medical payments regardless of fault.
Types of Commercial Vehicles We Insure
At Insured ASAP, we help insure businesses of all sizes across a wide spectrum of vehicle types, including:
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Business Autos:
Company cars, sedans, SUVs, taxis, and limousines.
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Trucks:
Pickup trucks, cargo vans, box trucks, food trucks, tow trucks, delivery trucks, and snowplows.
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Trailers:
Utility trailers, cargo trailers, and equipment trailers are towed by your commercial vehicles.
How To Get Commercial Auto Insurance
Getting your business vehicles covered shouldn’t be a hassle. We have streamlined the process so you can get back to running your business:
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Gather Your Basic Info:
We will need a few simple details, including the number of vehicles you operate, their make/model, the general mileage your employees drive, and the industry you serve.
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Request a Free Quote:
Call us directly or fill out our quick online quote form.
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We Do the Heavy Lifting:
We are a 100% independent agency, allowing us to immediately shop your coverage across multiple top-rated carriers to find the best rate.
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Review and Bind:
We will walk you through your options, clearly explain your coverages without any pushy sales tactics, and bind your policy so you have instant proof of insurance.
How To Get Commercial Auto Insurance
There are plenty of insurance companies in Illinois, but Insured ASAP is built specifically to serve businesses like yours.
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100% Independent:
We aren’t tied to one carrier. We instantly access multiple top-rated providers to find you the cheapest rates around.
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Expert Agents, Not Salespeople:
We educate and guide you to the right policy, ensuring you never pay for more than you need.
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Local Expertise:
As a Chicago-based agency, we intimately understand Illinois state filing requirements, regulations, and regional risks.
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Fast Turnarounds:
If you need proof of insurance to secure a contract or get a vehicle on the road today, we handle it instantly.
Commercial Auto Insurance FAQ
Does commercial auto insurance cover personal use?
Typically, yes. If you own a vehicle under your business name and insure it with a commercial policy, that policy usually covers you if you run a personal errand in that vehicle. However, a personal auto policy will rarely cover business use.
What drivers are covered under commercial auto insurance?
Your policy covers your employees, provided they are explicitly listed as scheduled drivers on your commercial auto policy and hold a valid driver’s license.
What doesn’t commercial auto insurance cover?
Commercial auto insurance does not cover intentional damage, fraudulent acts, or workers’ compensation claims (if an employee is injured, that falls under Workers’ Comp). It also typically excludes the tools, equipment, or products inside the vehicle.
What’s the risk of not having commercial auto insurance?
If an employee gets into an accident while driving for work and you only have personal auto insurance, the claim will likely be denied. This leaves your business completely responsible for all medical bills, vehicle repairs, and potential lawsuits out-of-pocket, which can bankrupt a small business.
What is commercial fleet insurance?
If your business operates multiple vehicles (usually three or more), fleet insurance allows you to bundle them all under a single policy. This provides one renewal date, uniform coverage terms, simplified billing, and often a lower premium per vehicle.
Do I need commercial auto insurance to drive for a rideshare company, like Lyft or Uber?
Yes. Standard personal auto policies exclude rideshare driving. You will either need a specific rideshare endorsement added to your personal policy or a dedicated commercial auto policy to ensure you are covered while the app is on.
Do I need special insurance to deliver pizza or other goods for a fee?
Yes. Delivering goods or food for a fee is considered commercial use. If you get into an accident while making a delivery and only have personal insurance, your claim will be denied.
Get Your Free Commercial Auto Insurance Quote Today
Do not leave your business exposed to financial risk on the road. Whether you need coverage for a single contractor van or a growing fleet of delivery trucks, Insured ASAP is here to help you move forward with confidence.
Call us today to speak with a live representative, or get a free quote online to start saving today!
