Commercial Auto

Commercial auto insurance isn’t just for large fleets, and when it comes to running a business, vehicles-whether they’re leased, rented, or owned-are crucial for a variety of tasks which can include transporting materials and tools to worksites, hauling goods for deliveries, or driving to meet clients. Any car, truck, van, or similar vehicle used as part of your business operations needs to be covered.

It is important to protect your drivers and vehicles by having proper insurance coverage. That’s why many organizations turn to commercial auto insurance, which can provide the following benefits:

Liability coverage. Collisions don’t just impact vehicles- they can cause expensive damage to nearby property and valuables. In these instances, commercial auto insurance can provide a range of protection when you damage another person’s vehicle or property in an accident.

Physical damage and collision protection. Following an accident, you or your employees may need to pay for vehicle repairs- both for your own vehicle and any other vehicles involved. Commercial auto insurance can reimburse policyholders for the costs of vehicle repairs they may need following a crash. Many policies even provide coverage for uninsured and underinsured motorists, providing an extra layer of protection.

Medical payment and lawsuit coverage. Collisions often result in bodily harm and expensive medical costs for you and those involved in an accident. Commercial auto insurance policies offer some protection for these expenses and can cover medical costs, lost wages and even legal expenses should a laws u it be brought against you.

Comprehensive coverage. Collisions aren’t the only source of vehicle damage your business needs to consider. Commercial auto insurance can provide comprehensive protection for damages that are unrelated to an accident (e.g., losses related to theft, floods, vandalism and fires).

Protection beyond personal auto insurance policies. Simply put, personal auto insurance doesn’t provide adequate coverage for any accidents that occur while policyholders are driving for business purposes. In the absence of commercial auto coverage, companies would have to pay out of pocket should employees get in an accident while making de liveries, picking up supplies or using a vehicle to perform essential business functions.

Optional add-ons for even more security. Beyond standard protection for collisions, commercial auto insurance policies can often be customized to meet your needs. Common policy add-ons (also known as endorsements) include towing reimbursement, rental reimbursement and gap coverage for auto loans or leases.


Evergreen has specialty markets that provide insurance for trucks and trailers of all sizes. Whether you’re a long-haul or short-haul trucker, an independent owner operator, motor carrier, or a private trucker- we can help. In an ever-changing industry, let us be your resource to guide you in the right direction.

State or federal filings, in most cases, can be issued in the same day as the request. Let us work with you to assure that your filings are handled properly.

To learn more about commercial auto and Truckers insurance and to secure a policy of your own contact Evergreen Insurance, LLC today.