Commercial Auto Insurance in Mount Prospect & Beyond
Keep Your Business Vehicles and Drivers Protected
Personal auto insurance usually won’t cover vehicles used primarily for business. Whether you operate a company car, delivery van, food truck, or service vehicle, a commercial auto policy is essential. It provides the liability, physical damage, and driver protection needed when accidents happen on busy Chicago-area roads. If employees use their own vehicles for work, hired and non-owned auto coverage can help protect your business from liability, even when the vehicle isn’t yours. With clear guidance and tailored policies, we make sure your business stays on the move with confidence.
What’s Included in Workers’ Compensation Coverage
Liability Coverage
Provides protection if your driver causes injuries or property damage. Businesses often choose higher limits due to increased exposure on the road.
Physical Damage
(Collision & Comprehensive)
Covers repairs or replacement of company vehicles after collisions, theft, vandalism, hail, or other covered events. Important for vans, trucks, and vehicles that carry valuable equipment.
Hired & Non-Owned Auto (HNOA)
Protects your business when employees use personal vehicles for work tasks — from deliveries to client visits. Essential for businesses without company-owned fleets.
Medical Payments & Uninsured Motorist
Helps cover medical expenses for your drivers and passengers, and protects your business if the at-fault driver has insufficient insurance.
Cargo & Equipment Coverage
If you transport goods or use specialized mounted equipment, additional coverage ensures cargo, tools, or permanently attached equipment is protected.
Fleet & Multi-Vehicle Solutions
Whether you manage one company car or a fleet of vans, we help create a streamlined policy that lists all vehicles and approved drivers correctly.
What to Expect From Our Team
We start by reviewing your business vehicles, how they’re used, where they travel, and who drives them. As an independent agency, we compare commercial auto options from top carriers to find strong, cost-effective protection. We ensure all drivers are properly listed, policy limits are appropriate for Chicago-area traffic exposures, and certificates of insurance can be issued quickly when contracts require them. If you operate across state lines — including into Wisconsin — we confirm coverage territory so your vehicles stay protected wherever business takes you.
Understanding Commercial Auto Coverage
Below is a quick comparison to help you see how commercial auto differs from personal auto insurance.
| Coverage Type | Commercial Auto | Personal Auto | Why It Matters |
|---|---|---|---|
| Liability | Higher limits for business exposure | Basic limits | Protects business assets from major claims |
| Physical Damage | Covers work vehicles, tools, equipment | Covers personal cars only | Essential for vans, trucks, and service vehicles |
| Hired & Non-Owned | Covers employee-owned vehicles used for work | Not included | Critical for deliveries or client visits |
| Certificates of Insurance | Provided for contracts & vendors | Not applicable | Required by many commercial clients |
| Fleet Options | Multi-vehicle & driver management | N/A | Ideal for growing businesses |
Need help verifying you have the right coverage? We’re here to guide you.
Common Questions About Workers’ Compensation Insurance
Do I need commercial auto insurance for my work truck?
If the vehicle is used mainly for business purposes, yes. Personal auto insurance typically won’t cover business use or liability.
What does a business auto policy cover that personal auto doesn’t?
Higher liability limits, hired/non-owned auto, coverage for business equipment, certificates for contracts, and fleet management options.
Are employee-owned vehicles covered?
With hired and non-owned auto coverage, your business can be protected even when employees drive their own cars for work.
Does my policy cover out-of-state travel?
Typically yes. We confirm coverage territory, especially if you regularly travel into Wisconsin or nearby states.
How do I list drivers on the policy?
We help ensure all drivers who regularly use company vehicles are properly included, keeping your coverage valid.
Keep Your Business Moving Safely
Don’t wait for an accident to discover a coverage gap. Let us help you build the right commercial auto policy for your business vehicles and drivers.
