Commercial Auto Insurance
Commercial auto covers the vehicles your manufacturing business owns, leases, or uses — delivery trucks, box vans, and company vehicles — for liability, physical damage, and the cargo and people they carry on the road.
Commercial Auto for Manufacturers
If your company owns or operates vehicles to receive materials, move product between locations, or deliver to customers, you need commercial auto insurance. Personal auto policies exclude business use, and a single at-fault accident with a loaded delivery truck can generate a serious liability claim.
What's Covered
- Auto liability: Bodily injury and property damage you cause in a covered vehicle
- Physical damage: Collision and comprehensive on your trucks and vans
- Hired & non-owned auto: Liability when employees drive rented or personal vehicles for work
- Medical payments / PIP: Injury costs for drivers and passengers
- Uninsured/underinsured motorist: Protection when the other driver isn't covered
Manufacturer-Specific Needs
- Loading & delivery exposure: Vehicles that load at your dock and deliver to customers
- Inter-plant transport: Moving raw material and finished goods between sites
- Driver management: Motor vehicle record (MVR) checks and a fleet safety program lower rates
- Cargo considerations: Coverage for the product you haul, where needed
Pairing With General Liability & Umbrella
Commercial auto handles the road; general liability handles your premises and operations. Because auto claims can be severe, manufacturers frequently extend their auto liability limits with a commercial umbrella so a major accident doesn't exceed primary coverage.
What's Covered
Frequently Asked Questions
Can I insure my delivery trucks on a personal auto policy?
No. Personal auto policies exclude business and commercial use. Vehicles your company owns or uses to move materials, transport between plants, or deliver product must be covered by a commercial auto policy — and employees driving their own cars for work should be covered by hired-and-non-owned auto.
What is hired and non-owned auto coverage?
It extends liability protection to vehicles your business uses but doesn't own — rented trucks and employees' personal vehicles used for company errands or deliveries. It's an inexpensive and important add-on for almost any manufacturer with mobile staff.