Commercial Auto Insurance in Minnesota — Coverage for Your Business Vehicles

Generally, no. Most personal auto policies exclude coverage for accidents that happen while a vehicle is being used for business purposes — especially if you're hauling equipment, making deliveries, or transporting clients. If you use your vehicle for work and you're in an accident, your personal insurer could deny the claim. A commercial auto policy eliminates this gap and provides the protection your business actually needs.

Hired auto coverage protects your business when you or your employees rent vehicles for business purposes. Non-owned auto covers your business's liability when employees use their personal vehicles to run errands or perform business tasks on your behalf. Neither covers damage to the employee's personal vehicle — but both are important for businesses where employees drive anything other than company-owned vehicles.

Commercial auto insurance costs vary widely based on vehicle type, number of vehicles, driver records, annual mileage, industry, and coverage limits. A single light commercial vehicle (like a work truck) might run $1,200–$2,500 per year, while fleets or specialty vehicles cost more. Businesses in higher-risk industries or with drivers who have traffic violations will typically pay more. We compare carriers to make sure you're getting competitive pricing. Call 651-243-0056 for a free quote.

If your employees use their personal vehicles for business tasks — even occasionally — your business could be held liable if they cause an accident. Non-owned auto liability coverage (often added to your BOP or commercial auto policy) protects your business in this situation. The employee's personal auto policy may also have exclusions for business use, leaving both the employee and your business exposed without it.

Yes — commercial auto policies can cover fleets with different vehicle types, including cars, trucks, vans, and specialty vehicles, under a single policy. Fleet policies often come with discounts compared to insuring each vehicle separately. We work with carriers that specialize in fleet accounts and can structure a policy that covers all of your vehicles efficiently.

Employees with DUIs, accidents, or traffic violations can make it harder — and more expensive — to get commercial auto coverage. Some carriers will exclude specific drivers from coverage. As an independent agent, we work with multiple carriers, including some that are more flexible about driver records. We'll help you find coverage that works for your situation and advise on driver safety programs that can improve your rates over time.