COMMERCIAL AUTO

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Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they're typically exposed to more risk than personal vehicles. Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving. A typical commercial auto policy may include:

• Liability coverage
• Medical payments coverage
• Comprehensive coverage
• Collision coverage
• Uninsured and underinsured motorist coverage
• Coverage for vehicles you rent or borrow
• Coverage for employees who use their cars for business

Livery Insurance

For-hire livery insurance, also known as livery insurance, is a type of commercial auto coverage for vehicles that are used by businesses that generate revenue from transporting people.

Businesses that incidentally transport people, such as hotels that offer a shuttle service, typically don't need for-hire livery insurance. Learn how the different types of livery insurance protect small businesses.

The most common types of livery insurance include:

•  Taxi
•  Black car / limousine insurance
•  Rideshare insurance (Uber/Lyft)

Livery insurance cost

Various factors influence the cost of for-hire livery insurance including your state, vehicle use, driving history and coverage needs. One way to keep your premium low is to maintain a good driving record. Discounts might also help lower your for-hire livery insurance cost.