Commercial Auto Insurance

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Custom Commercial Auto Insurance to Match Your Business

Do you rely on the use of vehicles to run your business? Did you know that XINSURANCE is a leading brokerage for commercial auto insurance policies? We provide specialized custom coverage solutions for any number of commercial auto needs, from commercial trucking, taxi cabs, limousines, buses, medical transport vehicles, and more.

Need a policy specific to trucking? Check out our page on commercial trucking insurance.

*Primary commercial auto insurance is not available in every state and we do not offer personal auto insurance. Please contact us to check state availability.

Types of Business

  • Bus companies
  • Contractors
  • Delivery services
  • Garbage collection
  • Food vendors
  • Landscapers
  • Limos
  • Paratransit
  • Rideshare services
  • Taxis
  • Towing and repossession
  • Trucking companies
  • And more!
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Physical Damage

Physical damage coverage typically offers 3 options for coverage in the event of an accident or unforeseen circumstance: comprehensive, specified cause of loss, and collision. Comprehensive coverage applies to damage caused by events other than the vehicle colliding with an object, such as theft, fire, or vandalism. It works alongside collision coverage, which protects against direct collisions with objects. Specified perils is limited to fire, lightning, explosion, theft, or vandalism.

Property Damage

Provides coverage for any damage the insured may cause to another person’s property while operating a commercial vehicle.

Medical Payments

Helps pay for medical expenses incurred by the occupants of the insured vehicle regardless of who is at fault in an accident, up to policy limits.

Uninsured and Underinsured Motorists (UM/UIM)

Protects the insured party if they are involved in an accident with a driver who either has no insurance (uninsured) or does not have enough insurance to cover the damages (underinsured).

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Free MVR Monitoring and Reporting Guide

Whether your business has a fleet of trucks, or just one or two salespeople on the road, it could be at risk for a costly lawsuit.

Learn how to reduce your liability risk with this free guide about MVR Monitoring and reporting in the transportation industry.

Download The Guide

Learn More About Commercial Auto Insurance

Why consider Commercial Auto Liability Insurance?

Expenses add up after an accident, but auto liability insurance can help prepare for uncertainty, and insulate your business against significant losses.

A Commercial Auto Insurance policy can cover vehicle damage and injury expenses for parties involved in an accident. In exchange for a policy premium, the insurance carrier will cover eligible legal, medical, or repair costs up to a predetermined dollar amount.

Resolving a liability claim is expensive and requires timely payments, which can be challenging for smaller enterprises with tight budgets. Without commercial auto insurance, your company may be responsible for making a substantial payment with little time to prepare financially. Liability insurance exists to prevent sudden liability expenses from stifling your growth.

XINSURANCE is your Commercial Auto Insurance expert

XINSURANCE is a leader in the industry of commercial auto coverage. We provide options and solutions to customize a plan to your needs after reviewing your current policy.

Our all-in-one approach to insurance solutions means that you can get more of the coverage you need in a singular, comprehensive policy. Contact us for a quote if you could benefit from coverage for:

  • Collisions: When your vehicle hits an object or vice versa
  • Property damage: When your vehicle damages someone’s property
  • Medical payments: When a passenger requires medical treatment after an accident
  • Uninsured motorists: When you suffer injury or vehicle damage as the result of an uninsured, underinsured, or hit-and-run motorist.
  • Physical damage: When your vehicle suffers damage from fire, flood, theft, and other applicable scenarios

How does Commercial Auto Insurance protect me and my business?

Medical and vehicle repair expenses add up in the wake of an automobile accident. A liability policy will kick in when the covered costs eclipse your deductible amount, providing the money required to ensure drivers and vehicles receive the attention they need without a significant hit to your bottom line.

Additionally, auto insurance is a legal requirement in almost every state. Driving without insurance can result in hundreds of dollars in violation fees — penalties that increase dramatically if your uninsured driver or vehicle is involved in an accident. Commercial auto liability coverage will give you the peace of mind that your vehicles on the road comply with insurance requirements.

If you are involved in an accident with an insured, we want to do the right thing for all parties and put you back to where you need to be!

What are the most common causes of commercial vehicle crashes?

Commercial truckers are generally considered to be above-average drivers. However, federal data indicates that errors, mistakes, and negligence on behalf of the driver contribute to more than half of all truck crashes.

The top 5 causes of crashes are brake problems, driving too fast, unfamiliarity with the roadway, environmental conditions, and over-the-counter drug use.

When is a company liable for a driver’s conduct?

An employer is liable for the wrongful acts committed by its employees or agents, provided that the acts were unintentional and were committed within the scope of employment.

An employer is generally not liable for any intentional injury caused by an employee such as assault, battery, kidnapping, etc. Employers are also generally not liable for wrongful acts committed by independent contractors, though laws vary by state.

Does XINSURANCE provide transportation insurance?

Yes, we can provide transportation insurance solutions, providing the primary or ancillary coverage needed for the logistics and movement of goods or people. Go to our Transportation Insurance page to learn more.

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How To Get A Quote

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Specify Your Needs

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Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Know the Facts

10% of all motor vehicle crash deaths in 2020 occurred in large truck crashes.

Tractor-trailer vehicles need nearly 2X the stopping distance of a regular passenger vehicle.

Incurred losses for commercial insurance was 184,908,130 in 2021.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service