Commercial auto insurance

• Any vehicle your business owns, borrows, leases or rents
• Any vehicle your employees drive for both business and personal use, whether the vehicle is owned by the business or the employee

• Cars
• Cargo vans
• Work vans
• Box trucks
• Pickup trucks
• Utility trucks

• You’re using your vehicle to transport goods
• You need higher limits of liability because of the nature of your work
• Employees operate the vehicle
• The vehicle is registered to the business

• Contractors (electrical, excavation, plumbing, HVAC)
• Retail stores (for deliveries, events, advertising and more)
• Wholesalers & distributors
• Food & beverage

We don’t insure semi-trucks or tractor trailers.

• Vehicle make, model and year
• Cost when new
• Gross vehicle weight, especially if the vehicle is a truck
• Driving records for all drivers
• What the vehicle is being used for or how it is being used (for example, travel to and from the office, to visit clients or job sites throughout the day, or delivering supplies to various customers)
• Claims history
• Coverage options, including limits and deductibles
• Number of commercial vehicles being insured

You need commercial auto insurance if you have vehicles that the business owns. You will also need commercial auto insurance for any vehicles an employees owns, leases or rents, if they use those vehicles while conducting business.

As a business, you probably don’t want to put your business at risk by being underinsured, such as opting for minimum auto liability coverage. Nationwide recommends at least $500,000 in liability coverage per vehicle.

Commercial auto insurance is a vehicle insurance policy which covers any injuries and damages that are caused by or to you or your employees, while in the scope of business, to covered vehicles, up to your policy limits.

Nationwide is #1 in Customer Satisfaction with Small Commercial Insurance, serving over half a million small businesses like yours across the nation.¹