Business Auto Insurance
When your vehicles are on the clock, your liability is too. Business Auto insurance gives companies the specialized protection they need when an accident, a vehicle loss, or a driver incident threatens the operation that depends on staying on the road.
Coverage for Every Mile Your Business Puts on the Road
Personal auto insurance stops covering a vehicle the moment it is being used for business purposes. Whether your team drives company-owned trucks, makes deliveries in leased vans, or uses personal vehicles for client visits, the gap between personal and commercial coverage is real and costly. Business auto insurance is specifically designed for the way companies use vehicles, giving you protection that follows your drivers, your fleet, and your business wherever the workday takes them.
Commercial Auto Liability
Covers bodily injury and property damage claims arising from accidents involving your business vehicles, protecting your company from the financial and legal consequences when a driver causes harm on the road.
Collision Coverage
Covers repair or replacement costs for your business vehicles damaged in a collision with another vehicle or object, keeping your fleet operational and your business moving after an accident.
Comprehensive Coverage
Protects your vehicles against non-collision losses including theft, vandalism, fire, weather damage, and other covered perils that can take a company vehicle out of service without warning.
Hired and Non-Owned Auto Coverage
Covers liability arising from vehicles your business rents, borrows, or employees use personally for work purposes, closing the gap between your commercial fleet policy and the vehicles you do not own but still depend on.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Small Businesses and Owner-Operators
Single-vehicle operators and small business owners carry full personal exposure when a work-related accident occurs in an uninsured or underinsured vehicle. The right policy closes that gap and protects your business assets from claims that a personal auto policy will not cover.
Companies with Fleets and Mobile Workforces
Businesses managing multiple vehicles and drivers across different locations face compounded liability with every mile logged. Scalable fleet coverage ensures every vehicle and every driver in your operation is consistently protected without gaps that a single accident could expose.
One Vehicle or Full Fleet, This Coverage Keeps You Moving
Any business that owns, leases, or relies on vehicles to operate carries commercial auto exposure that personal insurance was never designed to cover. Whether you manage a single company car or a multi-vehicle fleet, the right coverage protects your drivers, your assets, and your business continuity.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Does my personal auto policy cover me when I drive for work?
Generally no. Personal auto policies typically exclude coverage for accidents that occur while the vehicle is being used for business purposes beyond basic commuting. If you or an employee causes an accident while making a delivery, visiting a client, or running a work errand, a personal policy is likely to deny the claim. Business auto insurance is specifically underwritten to cover work-related vehicle use so your drivers and your business are protected every time a vehicle is used on company time.
What is hired and non-owned auto coverage and does my business need it?
Hired and non-owned auto coverage addresses liability arising from vehicles your business uses but does not own, including rental vehicles and employees' personal cars used for work purposes. If an employee runs a work errand in their own vehicle and causes an accident, their personal auto policy may deny the claim and the injured party may pursue your business directly. This coverage closes that gap and is especially important for businesses that regularly send employees on work-related driving tasks without providing a company vehicle for the purpose.
Are my employees covered under my business auto policy when they drive company vehicles?
Yes, in most cases employees driving company-owned vehicles in the course of their work duties are covered under your business auto policy. However, coverage can be affected by factors including the employee's driving record, whether the vehicle use was authorized, and whether the employee was acting within the scope of their job at the time of the accident. Maintaining updated driver records, setting clear vehicle use policies, and reviewing your policy's driver exclusions with your agent ensures your coverage performs as expected when a claim involves an employee behind the wheel.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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