Commercial Auto Insurance

Coverage for the vehicles your business depends on

If your business owns or operates vehicles in Montana, commercial auto insurance isn’t just smart—it’s required. Whether you’ve got one work truck or a whole fleet, we’ll help you get the right protection for your drivers, equipment, and day-to-day operations. We’ll break it down in plain English, so you know exactly what you’re paying for.

What Commercial Auto Can Cover

Protection on the road and off

A commercial auto policy helps cover the real risks that come with using vehicles for work. Depending on your business, that might include:

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Liability Coverage

Covers damage or injuries you cause to others while driving for business purposes—required by Montana law.

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Collision Coverage

Pays to repair or replace your business vehicle after a crash, no matter who was at fault.

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Comprehensive Coverage

Protects against theft, fire, vandalism, hail, or hitting an animal—common risks across Western Montana.

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Uninsured/

Underinsured Motorist

Helps pay your expenses if you’re hit by someone with too little or no insurance.

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Medical Payments Coverage

Covers medical bills for you and your passengers after an accident, regardless of fault.

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Hired & Non-Owned Auto

Covers vehicles you rent or employee-owned vehicles used for business—even if they’re not listed on your policy.

Commercial Auto FAQ

Answers for Montana business owners

  • Do I need commercial auto insurance if I use my personal vehicle for work?

    Yes, if you’re regularly using your personal vehicle for business purposes—like deliveries, client visits, or hauling tools—your personal policy may not cover accidents. Commercial auto provides coverage for business-related driving. Even if the vehicle isn’t owned by your company, you may still need non-owned auto coverage. We’ll help you figure out what applies based on how you drive for work.

  • What’s the difference between personal and commercial auto insurance?

    Commercial auto is designed for vehicles used for business, with higher liability limits and additional coverage options like equipment protection and employee use. Personal auto insurance excludes most work-related use. If you get into an accident while driving for business, your personal insurer could deny the claim. That’s why having the right policy matters.

  • How much does commercial auto insurance cost?

    Rates depend on the type of vehicle, how it’s used, who’s driving it, and your claims history. A delivery van in Missoula might cost less to insure than a dump truck operating across the state. We compare multiple carriers to find options that fit your risk and budget. You’ll get a clear breakdown of what’s covered and what’s not.

  • Does commercial auto cover my tools and equipment in the vehicle?

    Not usually. While your vehicle is covered, your tools and equipment likely need separate inland marine or business property coverage. If they’re valuable or often left in the vehicle overnight, it’s worth protecting them. We’ll show you how to keep everything covered without overpaying.

  • Do I need commercial auto insurance for one vehicle?

    Yes—even one vehicle used for business can expose your company to financial risk. Whether you’re a contractor with one truck or a small business with a delivery car, commercial auto is designed to cover work-related driving. It’s affordable and customizable, and it could save your business if something goes wrong on the road.