Cargo Vans
Service, delivery and work vans used for qualifying business activity.
Commercial Auto Insurance
Coverage for vehicles that keep you working.
Commercial auto insurance can help address risks connected to vehicles used for business. Trinity can help you review available insurance options for qualifying cars, vans, pickups, box trucks and other business vehicles.
Business Vehicle Coverage
From single work vehicles
to qualifying fleets.
01
Business Vehicles
Cars, vans, pickups and trucks
02
Liability
Subject to policy terms and limits
03
Physical Damage
Available coverage varies by policy
04
Fleet Needs
One vehicle or multiple vehicles
Business Use
Business driving can create different
insurance needs than personal driving.
Business Vehicles
When the vehicle is part of the work.
A vehicle used to transport tools, products, employees, equipment or customers may create insurance needs that differ from ordinary personal use.
The right policy structure depends on factors such as vehicle type, ownership, business use, drivers, operating area and carrier requirements.
01
How the vehicle is used
Delivery, service calls, hauling, customer visits or other business use.
02
Who drives it
Driver information can affect eligibility and policy terms.
03
What vehicle is involved
Vehicle size, type, ownership and equipment can matter.
Vehicle Types
Commercial vehicles come in many forms.
Availability depends on the vehicle, business use, carrier and underwriting requirements.
Pickup Trucks
Pickups used for qualifying business or trade-related work.
Box Trucks
Certain delivery and transport vehicles used in business operations.
Company Cars
Passenger vehicles owned or used for qualifying business purposes.
Service Vehicles
Vehicles carrying tools, equipment or materials for business work.
Multiple Vehicles
Insurance options for qualifying businesses operating more than one vehicle.
Coverage Options
Policy choices built around commercial vehicle risk.
Exact coverage, limits and requirements depend on the carrier, state, vehicle and business use.
Liability Coverage
Coverage for certain covered claims involving bodily injury or property damage, subject to policy terms and limits.
Collision Coverage
May help address covered damage to an insured vehicle after a collision, subject to deductibles and policy terms.
Other Physical Damage
Certain policies may cover qualifying losses from events other than a collision, subject to policy terms.
Uninsured Motorist
Availability and requirements vary by state and carrier.
Medical-Related Coverage
Medical payments or similar coverage may be available depending on the state and policy.
Hired & Non-Owned Auto
Certain businesses may have exposure when employees use rented or non-company vehicles for business activity.
Beyond Company-Owned Vehicles
What about rented or employee-owned vehicles?
Some businesses use vehicles they do not own. Depending on the situation, hired or non-owned auto coverage may be worth discussing with an insurance agent.
Rented vehicles
Vehicles rented or leased for qualifying business activity.
Employee-owned vehicles
Personal vehicles used for certain work-related trips or tasks.
Business-specific circumstances
Eligibility and coverage depend on the policy and carrier.
Commercial Transportation
Different vehicles can call for
different policy considerations.
Business Use
Commercial auto can apply across many industries.
Vehicle use and eligibility vary. Trinity can discuss the type of business activity involved before reviewing options.
Contractors & Trades
Vehicles used to carry tools, materials or equipment.
Delivery Businesses
Qualifying vans or trucks used to transport products or packages.
Service Businesses
Vehicles used for scheduled customer or job-site visits.
Business Fleets
Qualifying businesses operating multiple company vehicles.
Getting Started
Start with the vehicles and how your business uses them.
Basic information about the business, vehicles and drivers helps frame the insurance conversation.
01
Tell us about the business.
Share the type of work and how vehicles support daily operations.
02
Review the vehicles.
Vehicle type, ownership, number of vehicles and use can matter.
03
Review the drivers.
Driver information and operating practices may affect policy eligibility.
04
Discuss policy options.
Review available coverage, limits, deductibles and carrier requirements.
Commercial Auto FAQ
Common questions.
Policy terms and requirements vary, so these answers are general.
Commercial auto insurance is designed for certain vehicles used in business. Coverage and eligibility depend on the vehicle, business activity, carrier and policy terms.
Personal auto policies can contain restrictions or exclusions related to certain business uses. The correct policy depends on how the vehicle is used and the applicable policy terms.
Policies may be available for qualifying businesses with one vehicle or multiple vehicles. Carrier requirements and underwriting rules vary.
Information may include business details, vehicle information, driver details, vehicle use and requested coverage. Additional information may be required by the carrier.
Depending on the policy, hired and non-owned auto coverage may address certain liability exposures involving rented vehicles or vehicles not owned by the business. Availability varies.
Coverage availability, eligibility, policy terms, limits, deductibles, exclusions and underwriting requirements vary by carrier, state, vehicle and business use. Insurance products are subject to the terms and conditions of the policy issued. Contact Trinity for product availability and coverage details.
Commercial Auto Insurance
Keep your business vehicles part of the plan.
Tell Trinity about your business, vehicles and how they are used to start reviewing available commercial auto options.