What Is Covered Under a Standard Commercial Auto Policy? 

Understanding what’s included in a standard commercial auto policy is essential for any business that relies on vehicles. At You Choose Insurance, we know that insuring your business vehicles is about more than just meeting state requirements. Here’s what you need to know about commercial auto coverage and how our team can help you make informed choices.

Key Coverages in a Standard Commercial Auto Policy

A standard commercial auto policy typically offers several core coverage options for business vehicles, including:

Liability Coverage
This is the foundation of most commercial auto policies. Liability coverage helps pay for bodily injury or property damage that your business may be responsible for in an accident. In Washington, businesses are required to carry minimum liability limits, but many choose higher limits for added financial protection.

Physical Damage Coverage
This includes two main components:

• Collision coverage. This helps pay for damage to your vehicles resulting from a collision, regardless of who is at fault.
• Comprehensive coverage. This covers damage from non-collision events, such as theft, vandalism, fire or severe weather.

Uninsured or Underinsured Motorist Coverage
If your business vehicle is involved in an accident with a driver who has little or no insurance, this coverage can help pay for injuries or damages.

Common Exclusions to Be Aware Of

While commercial auto insurance offers broad coverage, there are important exclusions to keep in mind:

• Personal use of business vehicles (unless specifically covered)
• Intentional damage or illegal activities
• Wear and tear or mechanical breakdowns
• Use of vehicles for certain high-risk activities not disclosed to your insurer

How We Help Businesses

Our team at You Choose Insurance works closely with business owners and fleet managers across Washington to tailor commercial auto policies that fit their unique needs. We are here to help you understand your options and identify potential gaps.

Ready to review your commercial auto insurance or have questions about your current policy? Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.