Insurance Agency Since 1934
Highland, IN independent insurance agency
Review commercial auto with a Highland independent agency. We help you sort out which vehicles, drivers, and uses need a business policy, and where a personal auto policy may leave you exposed.
Start here
Work vehicles, small fleets, and hired or non-owned exposure, reviewed by a local team.
Personal auto policies often limit or exclude coverage when a vehicle is used for business beyond commuting. If you carry tools, deliver goods, or drive to job sites, ask your agent how that use is rated.
If employees run errands in their own cars, or you rent vehicles, your business can be liable for accidents it does not own the vehicle for. Hired and non-owned auto coverage addresses that exposure.
Companies underwrite on who drives, driving records, vehicle type and weight, radius of operation, and cargo. Keeping a current driver list makes quotes and renewals smoother.
Good to know
It depends on the company, but vehicles titled to a business, used regularly for work, carrying equipment or goods, or driven by employees for the business are commonly rated as commercial. Ask before assuming a personal policy applies.
A single vehicle can be insured on a commercial policy. Fleet programs generally apply to larger numbers of vehicles, and each company sets its own thresholds.
Some contracts require specific liability limits or additional insured status on auto. Send the requirement and we will check whether it is feasible.
General liability typically excludes auto accidents. Vehicle liability sits on a separate auto policy, which is why contractors and delivery businesses usually carry both.
These details drive eligibility and rating:
Our office at 3026 45th Street in Highland serves Highland, Hammond, Griffith, Schererville, Merrillville, Crown Point, Dyer, Munster, and nearby Northwest Indiana communities.
Also review general liability and workers compensation, or return to business insurance.
Coverage terms, exclusions, availability, and pricing vary by company and by risk, and not every company will quote every situation. This page is general information, not a policy or individualized advice.
Ready for a clearer review?
Share vehicle use, drivers, territories, and contract requirements so we can help shape the right review.