Best commercial auto insurance for small businesses

When shopping for commercial auto insurance, you'll likely be balancing affordability against different coverage options. Standard commercial auto insurance covers bodily injury liability and property damage liability, but you may want comprehensive coverage or other physical damage coverage.

There are numerous other options, like uninsured motorist coverage, personal injury protection (PIP), and collision coverage.

Insureon works with 40+ insurance carriers to find the right coverage for your small business. We've helped over 400,000 small businesses get protected with more than 1.5 million policies.

When you compare quotes with our application, we do the work for you by retrieving quotes from the companies that best match your business needs. The most important factors are:

• Best-rated companies, in terms of financial strength and ratings
• Best carriers for your industry
• Best carriers for your business's location

All of our insurance partners are rated excellent or superior by AM Best [PDF]. Some providers specialize in commercial auto coverage for certain professions, and others operate only in limited areas.

Insureon provide quotes from the most trusted sources of commercial auto insurance for small businesses.

Based on financial strength and overall rating, our top carriers for this policy include:

Progressive: Rated A+ by AM Best. Located in Mayfield Village, OH. Specializes in auto and homeowner's policies.

Acuity: Rated A+. Located in Sheboygan, WI. Specializes in property and casualty insurance.

The Hartford: Rated A+ by AM Best. Located in Hartford, CT. Specializes in property and casualty insurance, group benefits, and mutual funds.

Nationwide: Rated A+ by AM Best. Located in Columbus, OH. Specializes in auto insurance, commercial insurance, mutual funds, retirement plans, and specialty health services.

Liberty Mutual: Rated A. Located in Boston, MA. Specializes in property and casualty insurance.

Whether you're searching for commercial trucking insurance or coverage for delivery drivers, your type of business is one of the biggest factors. An insurer that's familiar with the risks of your specific profession can point you to the right coverage for your unique exposures.

Here are the recommended providers of commercial auto insurance for our top industries.

While many carriers operate nationally, some only cover a limited area. That's why your state also matters when looking for an insurance provider.

The laws and regulations for commercial auto liability insurance also vary depending on where your business operates.

Here are the most popular carriers for our top five states, based on the number of commercial car insurance policies sold.

Commercial auto insurance helps you comply with the law and pay for costly auto accidents, but it's not the only business insurance coverage you need. To protect against other risks, small business owners often buy the following insurance products:

General liability insurance: This policy pays for legal costs and medical bills from common accidents, such as a customer who slips on a wet floor at your office and suffers a bodily injury.

Business owner's policy: A business owner's policy combines general liability coverage with commercial property insurance in a cost-saving package. It provides coverage in the event of a customer accident or business property damage.

Workers’ compensation insurance: Workers' comp covers medical expenses when an employee is injured on the job. Most states require this coverage for businesses that have employees.

Professional liability insurance: This policy helps pay for legal costs if a customer sues your business for a mistake or negligence, and it's recommended for any business that offers professional services or advice. It’s also known as errors and omissions insurance (E&O).

Cyber insurance: This policy covers expenses related to data breaches and cyberattacks, such as the cost of notifying affected customers. It's sometimes called data breach insurance.

Commercial umbrella insurance: When your underlying general liability, commercial auto, or employer's liability insurance policy reaches its limit, umbrella insurance kicks in to provide additional coverage. It's often used to increase general liability limits to those required by a contract.

It's easy to get commercial auto insurance with Insureon. Fill out our easy online application to receive quotes from trusted providers. Our expert insurance agents are available to help answer any questions about policy limits, exclusions, and coverage options. Most businesses can get same-day coverage and easily download a certificate of insurance as proof of coverage right away.