Commercial Auto insurance

Providing Auto Liability and Collision coverage for employees involved in company-owned vehicle accidents.


Whether it’s a single work truck, an entire fleet, or deliveries, accidents can halt operations and leave you stranded.

Commercial Auto insurance protects businesses from accidents, regardless of fault, and provides coverage for medical expenses, theft, vehicle damage, vandalism, and much more.

Companies that benefit from Business Auto insurance often use their vehicles to drive to and from work sites, transport tools and equipment, or deliver products to clients. If an employee is involved in an automobile accident, SECURA’s Business Auto insurance can help cover medical expenses and legal fees. Without this insurance, your business would be responsible for these expensive costs.

Whether you’re looking for Commercial Fleet insurance or Auto insurance for your small business, a Commercial Auto insurance policy from SECURA will keep your business running on all cylinders.

Features of Commercial Auto insurance

Auto Liability insurance

Auto Liability insurance protects you and your company by paying for bodily injury and/or property damage to others that you or your employees may be responsible for in an auto accident.

Collision and Comprehensive coverages

Comprehensive coverage can help pay for damage to your vehicle from claims such as animal collisions, theft, vandalism, and weather-related damage. Collision pays specifically for damage to your vehicle from collisions with another vehicle or object, regardless of who is at fault.

Medical Coverage

Medical Coverage pays, regardless of fault, the claims for both you and your passengers related to any medical expenses, without a deductible or co-pay. These expenses include, but are not limited to, emergency room visits,follow-up visits, specialist referrals, and prescriptions.

SECURA works with many types of industries, providing customized auto insurance solutions for businesses of all sizes.

Don’t see your industry listed? Have a conversation with your local agent to learn more about how SECURA Insurance is right for your business.

Policyholder benefits that work

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide customized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within 24 hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your company. As your company grows, our independent agent partners can help you understand how your company’s insurance needs may change.

Common questions about Commercial Auto insurance

What is Commercial Auto insurance?

A Commercial Auto insurance policy typically covers vehicles used for business purposes, such as transporting products, people, or basic work-related travel, which protects a company’s assets against claims. This policy has different coverages from a personal auto policy as it’s designed to meet specific business needs.

Does Commercial Auto insurance cover personal use?

Commercial Auto insurance can cover the cost of damages to certain commercial vehicles used for personal activities outside of its primary business use, but with certain conditions attached. Commercial Auto insurance can also apply if your employees use personal vehicles for business-related activities.

It’s best to discuss your specific needs with your independent SECURA agent for a clear definition of your policy.

What does Commercial Auto insurance cover?

Commercial Auto insurance covers bodily injury or property damage that your company may be held responsible for in an auto accident. It also covers collision losses and comprehensive losses, such as vandalism, theft, and weather damage.

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Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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