Commercial Auto Insurance

Request your quote for customized commercial auto insurance solution.

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.

Custom Auto Insurance to Match Your Business

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!



When your vehicle collides with another vehicle or object regardless of fault.

Property Damage

When your vehicles damages another person’s property, in an fault situation

Medical Payments

When you or 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

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.

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.

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.

How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

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


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 one of our policyholders is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in stepping up to defend on their behalf.

Unique requirements are our specialty

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

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our XINSURANCE team members 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 we issue your policy, we’re fully prepared to support you through the worst cases 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 for your various needs all in one plan.

What You Can Expect From
Our Team

Policy underwriting tailored to suit you

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service

Know The Facts

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

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

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

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