Seguro comercial para automóviles

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Get a Customized Commercial Auto Insurance Quote for Your Business Today

Commercial auto insurance helps protect you and your employees on the road while using company-owned vehicles for business. This crucial coverage can help pay for property damage and medical expenses for anything from a fender bender to a fatal accident.
Protect your business on the road and get a commercial auto insurance quote today from our partner, Tivly.

What Does Commercial Auto Insurance Cover?

Although coverage availability and requirements vary by state, these are some of the common types of commercial auto coverage options available to business owners:
Bodily injury liability coverage helps pay for the other driver’s medical expenses if you or one of your employees causes an accident.
Property damage liability coverage pays for damages that you or your employees cause to someone else’s property.
Drive other car coverage covers your business’ executive officers and their spouses if they drive vehicles that aren’t on your commercial auto insurance policy.
Collision coverage can help pay to fix or replace your business’ car if you hit something, like another car or pole.
Comprehensive coverage can help pay for car damages caused by theft, fire or natural disasters.
Medical payments coverage can help pay for medical bills for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.
Uninsured/underinsured motorist coverage helps pay for you or your employees’ medical expenses or to fix your car if the other driver lacks enough liability coverage or is uninsured.
Rental car coverage offers liability coverage while you or your employees are driving a rental vehicle for business. Many rental companies have loss damage waivers or collision damage waivers that you can sign to avoid paying for property damage to a rental car.
Personal Injury Protection (PIP), also known as no-fault insurance, can help cover medical expenses, lost wages or funeral costs after an accident, no matter who is at fault.
Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employees are involved in an accident with a personal, rented or leased car that was used for business errands. However, this type of commercial vehicle insurance coverage will not pay for damages to the personal, rented or leased car.

What Is Not Covered?

The following situations won’t be covered by a commercial auto insurance policy:
Medical expenses unrelated to an accident that happened while an employee is driving a company vehicle.
Contents inside your business vehicle that were damaged in an accident.
Accidents that occur when an employee is driving a personal vehicle for personal reasons. You can get coverage for this with hired and non-owned auto insurance coverage.
Repairs to a rental vehicle you or your employees were driving while waiting for your company vehicle to be fixed after an accident. If your business needs this type of coverage, you can add hired and non-owned auto insurance to your policy.

What Types of Vehicles Are Covered?

Pickup trucks
Service utility trucks

Do I Need Commercial Auto Insurance?

Most states require you to have commercial auto insurance if your business uses any company vehicles. Check with your state laws to find out what coverage is required for your business. We can help if you have questions or are wondering, “Do I need commercial auto insurance?” At the very least, you should consider commercial auto insurance if your business:
  • Owns, leases or rents vehicles, such as cars and commercial trucks**
  • Has employees who drive their own vehicles for business
  • Has employees who operate leased, rented or owned company vehicles
  • Has employees who are livery drivers
The 6 most common industries who need commercial auto insurance to protect their company vehicles are:
business owner with vehicle covered by auto insurance for commercial vehicles

How Much Does Commercial Auto Insurance Cost?

On average, commercial auto insurance costs our customers $574 a month or $6,884 a year.1 Remember, the amount of premium you’ll pay for a commercial car insurance policy depends on your industry and the types of vehicles your business operates. So, your business’ commercial auto insurance premium may be different than the average cost.

What Factors Can Influence the Cost of Your Commercial Auto Insurance?

Typically, contractor-based businesses such as landscapers, electricians, carpenters and some construction jobs will have a higher monthly fee than other professions. Other factors can influence the cost of your auto insurance coverage, such as the:
  • Type of business you have
  • Type of vehicle your employee drives
  • Driving record of your employees’
  • Type of load the company vehicle is carrying
  • Location of your company
  • Amount of liability coverage you choose

Get a Quote for Commercial Auto Insurance Today

We make it easy for you to get a fast and free quote from The Hartford. With over 200 years of experience, we’re an insurance company you can count on. We’ve helped over 1.5 million small businesses get the coverage they need. Whether you’re looking for commercial auto insurance coverage or have questions about what commercial auto insurance is, we can help. Get a commercial auto insurance quote today from our partner, Tivly.

Choose The Hartford for Commercial Car Insurance

Customized Coverages

All business owners face unique risks. We can work to customize policies to help meet the specific needs of your business.

Superior Claims Experience

Our experienced claims specialists are ready to help expedite a claim to get you back on the road – and back to business.

Expanded Protections

Our commercial auto insurance offers extra protection for your business at no additional cost.

Commercial Auto Insurance FAQs

You’ll need commercial auto insurance if you or your employees are using a company vehicle for business reasons. Personal auto insurance is needed when you or your family are driving your car for personal reasons, including commuting to and from work. Commercial auto insurance usually offers higher limits and liability coverage than a personal auto insurance policy.
Typically, all of your business employees with a valid license would be covered under this policy as additional insureds, as long as they’re driving a covered company vehicle.
Tools and materials that were inside your commercial vehicle at the time of an accident are not covered under your commercial auto insurance policy. You can get coverage for your business’ physical assets, like tools and equipment, with a Business Owner’s Policy (BOP).
For Larger Businesses
Specialized commercial auto coverage meant for mid- to large-size businesses.
what is commercial auto insurance video

¿Qué es un seguro comercial para automóviles?

Learn more about our business auto coverage in this video.
small business opening

Otras coberturas para empresas

We offer insurance coverages for companies of all sizes – large and small.
Última actualización: 12 de enero de 2024
** Gap coverage for lease and loaned vehicles not available in all states.
*** Based on a 2023 study by Keynova.
1 Premium amounts presented are based on monthly premium paid by The Hartford’s Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
Divulgaciones adicionales a continuación.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
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Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
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* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.