Commercial Auto Insurance

Protect the vehicles used by your company for business purposes with commercial auto insurance from AmTrust Financial.


Does Your Business Need Commercial Auto Insurance?

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. 

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. 
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