Commercial Auto Insurance for Bloomington, MN Businesses

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 based on vehicle type, number of vehicles, driver records, annual mileage, industry, and coverage limits. A single light commercial vehicle 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 get you competitive pricing. Call 651-243-0056 for a free quote.

Businesses operating in heavy-traffic commercial corridors like I-494 face higher accident exposure than those in quieter areas. We typically recommend at minimum $500,000 in commercial auto liability — and often $1 million for businesses with multiple vehicles or that operate in congested areas. The additional cost for higher limits is usually modest compared to the protection it provides. We'll find you the best rate across multiple carriers.

A commercial auto fleet policy is the right solution. It covers all your company vehicles under one policy, typically at a lower per-vehicle cost than insuring each separately. We'll list all drivers and pull their MVRs, set appropriate liability and physical damage limits, and add any extras you need — like hired auto if your team rents cars, or non-owned if they use personal vehicles. Call 651-243-0056 and we'll get started.

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 Bloomington-area vehicles efficiently.