Commercial Auto Insurance – Protect Your Business Vehicles
If your business owns or uses vehicles in Pennsylvania or Ohio, a commercial auto insurance policy can protect you from the financial fallout of accidents, property damage, and liability claims. Personal auto insurance usually won’t cover accidents that happen while a vehicle is being used for business—and that can leave your company exposed.
At Rodgers & Co Insurance, we help everyone from single-vehicle contractors to multi-vehicle fleets get commercial auto coverage that’s built for their operations.
When Do You Need a Commercial Auto Policy?
You likely need commercial auto insurance if:
Your business owns the vehicle (title is in the business name)
You use the vehicle to transport tools, equipment, or goods for work
Your vehicle has business signage or is customized for work purposes
Employees or partners drive the vehicle for business errands
You have trucks, vans, or other vehicles that exceed weight or usage thresholds for personal policies
Even if your company doesn’t own a vehicle, you might still need Hired & Non-Owned Auto coverage if employees use personal or rented vehicles for work.
Learn more about our Commercial Insurance solutions.
What Commercial Auto Insurance Covers
A business auto policy can include:
Liability Coverage
Protects against injury or property damage caused by your vehicle in an accident.
Physical Damage Coverage
Collision and comprehensive protection for your own vehicles.
Uninsured/Underinsured Motorist
Covers your business if the other driver can’t pay.
Medical Payments Coverage
Helps with medical expenses for you and your passengers.
Specialized Vehicle Coverage
For commercial trailers, permanently attached equipment, or custom modifications.
Unlike personal auto, commercial policies can carry higher liability limits to protect your business assets.
Local Considerations in PA & OH
Pennsylvania
Minimum auto liability limits apply to business vehicles, but many companies choose higher limits for better protection.
Ohio
Similar minimums apply, and commercial vehicles crossing state lines need to be properly insured for interstate travel.
Our proximity to the PA/OH border means we can build policies that cover your routes in both states without coverage gaps.
Note: A BOP does not include workers’ compensation insurance —that must be purchased separately.
Single Vehicle or Full Fleet – We’ve Got You Covered
Whether you run one service van out of Sharon or a dozen delivery trucks across Mercer, Lawrence, Trumbull, and Mahoning Counties, we’ll match your needs to the carrier that best fits your industry and driving patterns.
We also provide
fast Certificates of Insurance—critical for contractors and service providers who need proof before starting a job.
Want more tips? Visit our How to Save on Car Insurance ›
Hired & Non-Owned Auto – Closing a Common Coverage Gap
Even if your business doesn’t own vehicles, you could be liable for accidents involving employees driving their own cars for work-related tasks—like delivering products, visiting job sites, or making bank deposits. Hired & Non-Owned Auto coverage adds protection for these scenarios.
FAQs About Commercial Auto Insurance
Can I use my personal auto policy for business driving?
Not if the vehicle is primarily used for work—personal policies often exclude commercial use.
Is commercial auto more expensive than personal auto?
It can be, but it also provides higher limits and broader protection that your business needs.
It can be, but it also provides higher limits and broader protection that your business needs. Do I need both general liability and commercial auto?
Yes—general liability insurance › covers third-party incidents unrelated to vehicles, while commercial auto covers vehicle-related accidents.
Get a Commercial Auto Insurance Quote
From a single work truck to a full fleet, we’ll help you insure your business vehicles with the right coverage at the right price.