Commercial auto that's actuallyclearspecifiedyoursfairclear
A personal auto policy will not cover business use, and the gap shows up at the worst time. We cover the vehicles, the drivers, and the cargo, and shop it across 20+ carriers.
Commercial auto, line by line.
What a commercial auto policy covers, and the endorsements most policies miss.
| Coverage | What it covers | Good to know |
|---|---|---|
| Liability | Injury and damage to others in a work vehicle | Often required higher than personal limits |
| Physical damage | Repairs to your own vehicles | Collision and comprehensive, as on personal auto |
| Hired and non-owned auto | Rentals and employees' cars on work errands | The gap most small businesses overlook |
| Cargo | The goods and materials you are hauling | Personal and commercial auto both leave this out |
| Medical payments / PIP | Injuries to your drivers and passengers | Varies by state and policy form |
| Drive-other-car | Owners driving vehicles they do not own | Closes a gap for sole proprietors |
Whether a vehicle belongs on personal or commercial auto depends on how it is used, not who owns it. We sort that line.
Running vehicles for work? Send us the list and we will cover it right, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Commercial auto, answered.
The questions owners ask before they place fleet coverage.
Not for business use. Personal auto excludes most work uses, and a claim during a business errand can be denied. If a vehicle is used for the business, it generally belongs on commercial auto. We help you draw the line.
It covers rentals you use and employees' own cars when they drive for the business. Even if you own no vehicles, this exposure exists the moment a worker runs an errand. It is inexpensive and often overlooked.
Not by liability or physical damage. Cargo needs its own coverage. We add it so a loss in transit is not on you.
Often more than personal minimums, and contracts or lenders may dictate it. We size the limits to your risk and any contractual requirement.
Most quotes are back within 48 business hours once we have your vehicles and drivers. We reply to any question within 2 business hours.
Ready when you are
Send us your vehicles and drivers. We will cover the business use right, free.
Commercial auto sits with
Workers' compensation
If drivers are employees, comp covers their on-the-job injuries.
Explore workers' compCommercial umbrella
Auto claims run large. An umbrella sits over your fleet liability.
Explore umbrella