Commercial Auto Insurance

Commercial auto insurance for your business vehicles

Protect your business vehicles with commercial auto insurance. Whether you operate a single delivery van, a taxi or a small fleet of trucks, Milepost Insurance Agency helps you stay compliant, covered, and confident on the road.

We specialize in providing commercial auto liability insurance offered through the Berkshire Hathaway group of insurance companies, delivering reliable protection tailored to your operations.

What is commercial auto insurance?

Commercial auto insurance covers vehicles used for business purposes. Depending on the coverage you select, it can help protect against liability, physical damage, medical expenses, and more in case of an accident or incident.

Types of business vehicles we cover

We procure insurance for a wide range of commercial vehicles, including:

• Delivery vans
• Pickup trucks
• Box trucks
• Passenger vans
• Utility vehicles
• Tow trucks
• Service vehicles
• Food trucks
• Sedans
• Tractor-Trailers
• Dump Trucks

Whether you have a small fleet or a single vehicle that supports your business, it’s important to have the right coverage. 

When is commercial vehicle insurance needed?

If your vehicle is used for work-related tasks—transporting goods, visiting job sites, or carrying passengers—you need auto insurance for commercial vehicles.

Businesses that often need commercial auto coverage

• Contractors
• Electricians
• Plumbing
• Landscaping, lawn and trees
• Food trucks and caterers
• Farm Vehicles
• Non-emergency medical transport (NEMT) or medi-vans
• Package Delivery
• Taxis
• Real estate agents and sales vehicles

At Milepost, we understand that many businesses that rely on vehicles for daily operations need commercial auto insurance to stay protected and compliant. Our experienced team can help guide you through the process.

What kind of commercial auto insurance do I need?

The right coverage depends on your business type, vehicle use, and state requirements. We’ll help you build a policy that fits your needs and budget.

Common coverages for business vehicles

• Liability insurance: Covers bodily injury and property damage to others.
• Collision coverage: Pays for damage to your vehicle from a crash.
• Comprehensive coverage: Covers theft, vandalism, and weather-related damage.
• Medical payments/PIP: Covers medical expenses for you and your passengers.
• Uninsured/underinsured motorist: Protects you from drivers without enough coverage.
• Hired and non-owned auto: Covers vehicles your business uses but doesn’t own.

Your coverage may also vary if the vehicle has a loan on it and what the lender requires for coverage.

How much does commercial auto insurance cost?

The cost of commercial auto insurance depends on several key factors unique to your business. Because every operation is different, premiums are tailored to reflect your specific risks, coverage needs, and vehicle usage.

Here are the main factors that influence your rate:

• Vehicle type and usage
• Driving history
• Coverage limits and deductibles
• Location
• Number of vehicles

Our team specializes in obtaining commercial auto insurance for businesses, and we’ll help you understand your options so you can choose what works for your unique needs.

Why choose Milepost Insurance Agency for your business vehicles?

• We specialize in obtaining commercial auto and truck insurance
• We offer commercial auto and truck insurance through carriers rated A++ Superior*
• We understand DOT filings, certificates, and compliance
• We offer fast quotes and responsive service
• We’re trusted by businesses across industries

Let us help you protect your business vehicles with confidence.

Frequently asked questions about commercial auto insurance

1. What’s the difference between personal and commercial auto insurance?

Commercial auto insurance covers vehicles used for business. Personal policies usually won’t cover accidents that happen while working.

2. Do I need commercial auto insurance for a single vehicle?

Yes—if it’s used for business purposes, even part-time, you may need commercial coverage.

3. Can I get coverage for employees who drive their own cars?

Yes. Hired and non-owned auto insurance covers vehicles your business uses but does not own. It is important to clearly indicate any potential vehicles for an accurate quote.

4. How do I get a certificate of insurance for my business vehicles?
Need proof of coverage fast? You can request a certificate of insurance online or give us a call. We issue certificates quickly to help you stay compliant and keep your business moving.
We also help handle USDOT and state filings, so you’re covered where it counts.

5. What documents do I need to get a quote? (link to certificates and filings pages)

Having all the details in front of you before starting an online quote or calling in can help simplify the process and get you a more accurate quote. You’ll need:

• Vehicle details (VIN, usage)
• Driver information (for all drivers)
• Business type and location

6. Can I bundle commercial auto with other business insurance?

Absolutely. We can help you explore other coverage options such as general liability, workers’ compensation, and property insurance.

7. What if I have a fleet?

If you have a fleet, please call our team for assistance with getting a quote. Having all the VIN numbers and driver information ready will make the process easier.

8. How fast can I get coverage?

In some cases, we can obtain coverage the same day. Call or request a quote online to get started.