Commercial auto insurance is a critical coverage for businesses operating in Missouri and Arkansas that use vehicles as part of daily operations. If your business owns, leases, or regularly uses vehicles for work purposes, a personal auto policy may not provide the protection you need.
Many business owners assume their personal auto insurance will respond to work-related accidents—only to discover costly coverage gaps after a claim.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance helps protect your business if a vehicle is involved in an accident while being used for work. Coverage can include:
- Liability coverage for bodily injury and property damage
- Physical damage coverage (collision and comprehensive)
- Medical payments coverage
- Uninsured and underinsured motorist coverage
This applies to a wide range of vehicles, including:
- Work trucks
- Service vans
- Delivery vehicles
- Contractor fleets
- Company cars
Why Personal Auto Insurance May Not Be Enough
One of the most common mistakes business owners make is assuming a personal auto policy covers business use. In many cases, it does not.
Using a personal vehicle for:
- Deliveries
- Job site visits
- Transporting tools or equipment
- Employee errands
can create serious coverage gaps. If an accident occurs during business use, a personal auto policy may deny the claim—leaving the business responsible for medical bills, property damage, and potential lawsuits.
Coverage for Hired and Non-Owned Vehicles
Commercial auto insurance can be tailored with endorsements for:
- Hired vehicles (rentals used for business)
- Non-owned vehicles (employee-owned vehicles used for work)
- Additional insured requirements
- Industry-specific risks
These endorsements are especially important for businesses that rely on employee drivers or rented vehicles.
Protect Your Business, Vehicles, and Employees
Vehicle accidents can be financially devastating for a business without proper coverage. Beyond repair costs, liability claims can impact your company’s assets, reputation, and future growth.
For business owners in Missouri and Arkansas, reviewing commercial auto insurance is an important step in protecting your vehicles, employees, and business finances. Coverage should be structured to match how your vehicles are actually used—not just how they’re titled.
A review with an independent insurance agency can help ensure your commercial auto policy is properly designed to protect your operations before an accident occurs.