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Commercial auto insurance

Have fleet vehicles or a personal car you use for business? We’ve selected leading insurance companies to help meet your needs.

To learn more, speak with a USAA Insurance Agency Commercial specialist.

Call 800-292-8135.

What's commercial auto insurance?

A commercial auto policy includes liability and physical damage protection for most vehicles used for business.

Covered vehicles can include personal vehicles, trucks, trailers, buses and limousines.

Do you need commercial auto insurance?

Personal auto insurance may not fully cover you or your vehicles if you use them for business. Here are some ways commercial auto insurance can help protect you.‍ ‍ See note 1

You use your vehicle for business.

You cause an accident with damages or injuries while driving clients to a meeting. A commercial policy may provide coverage in this situation.

You advertise your business on your personal vehicle.

You’re in an accident and the other driver sees your company name on your car. Commercial vehicle insurance could help pay for the legal costs if they sue your business.

You have fleet vehicles or a trucking business.

One of your fleet trucks is in an accident while making a delivery. This insurance may help cover medical payments, truck or trailer damages, cargo and more.

You rent vehicles for your business.

You rent a truck to take equipment to a job site and you’re in an accident on the way there. Commercial auto insurance may help cover the costs.

Are you a rideshare driver?

You may need to add rideshare gap coverage to your USAA policy if you drive for a rideshare or delivery app.

In some states, you may be able to get a commercial policy with a rideshare option.

Learn about USAA rideshare

Common types of coverage‍ ‍ See note 2

Hired Auto

If you lease, hire or rent vehicles like limousines or commercial vans for business use, hired auto may be right for you.

Nonowned Vehicle

If your employees sometimes use their personal vehicles for your business, nonowned liability can help protect you and them.

Any Auto

If you need liability coverage for both hired and nonowned vehicles, such as employees' personal vehicles used for your business, any auto provides protection. It may also cover vehicles you purchase during your policy term.

Coverage for cargo or trailers

Motor Truck Cargo coverage helps protect the freight you’re hired to deliver if it’s lost or damaged by fire or collision.

If you need to protect a trailer, you can get Trailer Interchange insurance separately. This covers physical damage to nonowned trailers for things like collision, fire, theft, explosion or vandalism.

Why choose USAA Insurance Agency?

The USAA Insurance Agency is here to help you find insurance to fit your needs. Our long-standing relationships with other insurance providers allow us to make sure you get a great mix of coverage, pricing and quality customer service.

A commercial specialist can help you choose the right amount of protection. If you have questions about a policy, call 800-292-8135.

And if you have to report a claim, you can expect USAA-level support no matter who manages your policy.

Commercial auto insurance FAQ

In many cases it does. Commercial auto insurance can cover personal use of a business vehicle by owners and employees.

Be sure to review your policy for details.

If your vehicle is in an accident while being used for business, you may be responsible for damages and injuries.

Because of this, you and your business should have enough insurance to protect your assets if there’s an accident.

It could help protect you, people who work for your business and passengers. The policy usually includes coverage for vehicles used for business.

Help keep your business moving.

Speak with a USAA Insurance Agency Commercial specialist to learn more.

Call the USAA Insurance Agency.

Call the USAA Insurance Agency.

800-292-8135

For TTY devices, dial 711

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Related footnotes:

  1. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

  2. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

  3. Auto Insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom), and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

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