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Commercial auto insurance is essential to protect your business from unexpected expenses if you or your employees are involved in an accident. 

Whether you have a single work truck or a small fleet of delivery vehicles, your commercial car insurance policy can provide coverage up to your policy limit for: 

  • Expenses for claims related to emergency care

  • Medical bills

  • Property damage

  • Damage to your vehicle

  • Legal fees

  • Gap coverage on financed and leased vehicles

When you purchase a new policy with Next Insurance, you can upgrade it to include hired and non-owned auto insurance. This coverage provides extra protection when you or an employee use rented vehicles or if an employee sometimes uses a personal vehicle for work. 

Learn more about HNOA insurance.

Personal auto vs. business auto insurance

Perhaps you already have a personal auto insurance policy. Nice. But it probably won’t cover accidents that happen while you are driving for your business.

If you use your vehicle for work, you may need a business auto insurance policy if you:

  • Deliver any goods, including pizza, flowers or other products

  • Provide a service that involves regularly using a vehicle

  • Carry equipment you use for work, such as cleaning or landscaping tools

  • Go to job sites

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