Commercial Auto · Minnesota
If your employees drive for work — or if you have company vehicles — your personal auto policy won't cover a claim that happens on the job. Commercial auto insurance protects your business, your drivers, and your vehicles with coverage designed for the way you actually use them.
What's Covered
If your employees drive for work — or if you have company vehicles — your personal auto policy won't cover a claim that happens on the job. Commercial auto insurance protects your business, your drivers, and your vehicles with coverage designed for the way you actually use them.
Covers bodily injury and property damage your vehicles cause to third parties. State minimums exist, but most businesses need higher limits to protect their assets adequately.
Pays to repair or replace your business vehicles after a collision, regardless of fault. Essential if your vehicles are financed or if a loss would significantly impact your operations.
Covers theft, weather damage, vandalism, and other non-collision losses to your vehicles. Minnesota weather and high-theft metro areas make this coverage especially relevant.
Covers vehicles you rent or borrow for business use, and employee-owned vehicles used on company business. Often overlooked — a significant gap if employees regularly use personal cars for work.
Protects your drivers and your business if an at-fault driver doesn't have enough coverage to pay for damages. Critical for vehicles that log high mileage on public roads.
Minnesota no-fault law applies to commercial vehicles — PIP covers your drivers' medical bills after an accident regardless of fault. We make sure your policy meets state requirements.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We specialize in Minnesota small business coverage. We know the gaps most business owners miss and help you close them before a claim happens.
We compare across multiple A-rated commercial carriers — not one company's products — so your quote reflects real market competition.
When you have a claim, we stay in your corner. We help you document it, work with the carrier, and follow through until it's resolved.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Personal policies typically exclude coverage when a vehicle is used primarily for business purposes. If an employee gets in an accident while making a delivery or client visit, the personal policy may deny the claim. Commercial auto fills this gap.
Yes — you need hired and non-owned auto (HNOA) coverage. Employee personal policies usually won't cover accidents that happen while they're working for you, and that liability can fall on your business.
Even one vehicle used for business purposes needs commercial auto coverage. Many single-vehicle commercial policies are very affordable — often close to what personal auto costs.
Generally no — tools and equipment require a separate inland marine or commercial property policy. We can package these together to make sure you're not left with a gap.
