Commercial Auto Insurance protects the policyholders’ assets and provides financial stability in the event of a loss. It includes coverage for all vehicles used by a business, whether they are owned, leased, or owned by employees and used for business purposes. The Business Auto Policy covers the policyholders’ cars, trucks, vans, and trailers, as well as additional or ancillary coverages.

Auto Liability

Protects your company by compensating for damages you are legally liable for following an automobile accident, such as bodily injury or property damage.

Physical Damage

Covers damage to company vehicles in the event of non-collision events such as theft, vandalism, weather incidents like hail storms, fire and more.

Towing & Rental Reimbursement

Provides towing coverage in the event of accident or disablement and covers the cost of a rental while a vehicle is being repaired (per the policy limit).

Why Choose AmTrust for Commercial Vehicle Insurance?

AmTrust-appointed agents have access to tools and resources that make it easy to add a commercial auto insurance policy to an existing workers’ compensation policy, businessowners policy, commercial package policy or general liability policy.

We offer commercial automobile liability and physical damage coverage designed to protect light, medium and heavy vehicles within a local and intermediate radius. From single units to large fleets, AmTrust offers liability limits from $300,000 to $1 million combined single limit (CSL). From commercial and residential contractors to distributors, appliance repair and more, our commercial car insurance covers a variety of industries.

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Commercial Auto Insurance Policy FAQs

What are AmTrust's preferred commercial auto insurance exposures?

AmTrust’s commercial automobile insurance covers a wide range of businesses, including the following:

Contractors: commercial and residential alarm installers, electrical, fencing, floor covering, framing, general, HVAC, irrigation, landscaping, masonry, painting, plumbing, roofing
Distributors: auto parts dealers, beverage, food
Energy
Appliance repair

What exposures are ineligible for commercial vehicle insurance?

The following exposures are generally ineligible for our commercial vehicle coverage:

Ambulances
Building wrecking/razing
Car haulers
Dump truck operations
Emergency vehicles
Fast food delivery
Fire departments
Garbage collection
Heavy equipment movers
Iron/steel hauling
Livery operations
Livestock hauling
LPG transporting
Mobile home transport
Para transit
Pipeline contractors
Softwood loggers
Street/road contractors
Tow truck operations
Winching/boom operations
Wreckers

Does AmTrust write commercial auto insurance as a monoline policy?

While AmTrust does not offer monoline commercial auto insurance coverage, the policy can be easily added to a businessowners policy, workers’ compensation policy, general liability policy or commercial package policy.

What does a commercial vehicle insurance policy cover?

Should an accident occur, a commercial auto policy will help protect your business from the financial hardships that often follow. A typical policy includes the following:

Auto liability
Collision coverage
Medical payments up to the coverage limit
Comprehensive coverage for damage to the vehicle from something other than a vehicle collision
Uninsured and underinsured motorist coverage

Is commercial auto insurance required for a business?

If your employees utilize vehicles as part of their daily duties, they must be covered with a commercial auto policy to help protect your business.

Commercial Auto Insurance

Does Your Business Need Commercial Auto Insurance?

What Does Commercial Auto Insurance Cover?

Auto Liability

Physical Damage

Towing & Rental Reimbursement

Why Choose AmTrust for Commercial Vehicle Insurance?

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