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Commercial auto insurance in Edmonds, WA
Commercial auto insurance for work trucks, vans and fleets
From one contractor pickup to a delivery fleet, plus coverage for employees driving their own cars on company business.
Commercial auto insurance covers vehicles owned or used by a business, including liability for accidents, physical damage to the vehicles, and medical and uninsured motorist coverage. Personal auto policies often exclude or limit coverage for business use such as hauling tools, making deliveries or transporting clients, so a commercial policy is usually needed.
Coverage options
- Liability, collision and comprehensive for owned vehicles
- Hired auto: rented or leased vehicles
- Non-owned auto: employees driving their own vehicles for your business
- Uninsured and underinsured motorist and PIP
- Tools and equipment carried in the vehicle (inland marine)
- Rental reimbursement and towing
Hired and non-owned auto: the gap most businesses miss
If an employee runs to the bank or a supply store in their own car and causes an accident, your business can be sued. Hired and non-owned auto coverage protects the business in that situation, even if you own no vehicles. It is inexpensive and often overlooked.
Commercial auto FAQ
Do I need commercial auto if I use my personal truck for work?
It depends on how you use it and how the truck is titled. Regular business use, carrying tools or equipment, or titling the vehicle to the business usually calls for a commercial policy.
Can you insure drivers with tickets?
Often, yes. Driver records affect price and eligibility, and some carriers are more flexible than others.
Related coverage
Get a quote from Edmonds Insurance
Call (425) 555-0100 or request a quote online. Our Edmonds office is open Monday through Friday, 9 am to 5 pm, at 7523 220th St SW.