Commercial Vehicle Insurance.

Do you operate your own business or use your vehicle for work instead of just getting to work? You may need a commercial vehicle insurance policy. A regular auto insurance policy will not cover cars or trucks when they are used for business purposes.


Should your vehicle be rated for commercial use?

  • Are you visiting multiple job sites each day as part of your job?
  • Do you carry business tools or equipment in your vehicle?
  • Do you carry products or samples in your vehicle?
  • Are you using your vehicle for carpooling or ride sharing?
  • Do you tow a trailer for your business or work?

Tools & Equipment

Business tools and equipment are not insured under your commercial vehicle policy, unless specified.

Outside Sales

Are you aware that using your vehicle to travel to and from clients’ locations could require a commercial vehicle policy.

Ride Sharing

Earning additional income through ride sharing usually means a commercial vehicle policy is required.

What does your coverage come with?

A Commercial Vehicle policy includes the same standard coverages as your regular auto insurance policy such as;

  • Third Party Liability – covers damage caused to other people and property and also payments for medical care
  • Accident Benefits – covers benefits like medical rehab, income replacement, and funeral expenses.
  • Uninsured Motorist Coverage – includes hit and run drivers and people that do not have sufficient insurance coverage for your claims. Your insurance company will pay the difference, so you will not have to suffer.
  • Direct Compensation Property Damage – pays for your vehicle repairs if you are not, or only partially at fault, for an accident. Your DCPD will pay that portion.
  • Comprehensive – will pay for theft, fire, glass breakage, and vandalism. It also will cover instances like tree limbs falling on the vehicle.(Optional)
  • Collision – pays for your vehicle repairs should you be at fault.(Optional)

A commercial vehicle insurance policy is rated for your specific business use.


Get a Commercial Vehicle Insurance Quote

Whether you’re delivery samples, hauling equipment, or ride sharing. Leave it to the HWC brokers to make sure your insurance policy fits business.