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  • Insurance
    • Business >
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      • Insurance Bonds
      • Workers Compensation
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      • Commercial Auto Insurance
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • RV Insurance
  • CLIENT SERVICES
    • Send Service Request
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    • Get a Certificate
  • Resources
    • Trucking Set-Up Checklist
    • Brokers That Work With New Venture Truckers
    • USDOT Compliance Binder Checklist
    • Apply for Motor Carrier
    • BOC-3
    • UCR
    • DOT Medical Examination Certificate
  • About
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Insurance Solutions: Auto, Teen, DUI, SR-22, and Commercial Vehicles

Types of Commercial Vehicles We Insure

Get a quote online and get the insurance you need, on the vehicle you want.

Who Needs Commercial Auto Insurance?

Businesses that use vehicles for their operations usually need commercial auto insurance. This includes companies that own or lease cars, trucks, vans, or other vehicles for transporting goods, equipment, or people.

Common Professions That Need Commercial Auto Insurance:

  • Contractors: Contractors, landscapers, and construction companies using trucks or vans to transport tools and equipment.
  • Delivery Companies: Businesses delivering goods using cars or trucks need coverage for drivers, vehicles, and cargo.
  • Transportation Services: Companies like taxis, limousines, and other livery services transporting passengers.
  • Food Services: Restaurants, food trucks, and caterers using vehicles for deliveries or mobile kitchens.
  • Non-Profit Organizations: Organizations using buses or vans to drive volunteers or clients.

Personal auto insurance typically does not cover vehicles used for business purposes. If vehicles are essential to your work, get commercial auto insurance to protect them.

As one of the top commercial vehicle insurers in the nation, we offer commercial insurance for most types of vehicles used by businesses.

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What is commercial vehicle insurance?

Commercial Vehicle Insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. Seems obvious, doesn't it? But, seriously, knowing the difference between a personal auto insurance policy and a commercial auto policy (and when you need which) is important business—for your business.

​This type of business insurance covers a variety of vehicles. You may also have heard of this coverage referred to as commercial auto insurance, commercial car insurance, truck insurance, or fleet insurance

Why do you need commercial vehicle insurance?

That's a good question. Certain business usage and vehicle types may be excluded from personal policies. Why? Since personal auto policies were not meant for businesses, they are written and rated differently. More important to you—a business owner or manager—businesses often need the particular coverages found in a commercial auto insurance policy.

Determining whether your situation requires commercial auto coverage can still be confusing. Here's a little more information and examples of when you need commercial insurance.
(704) 837-2942​
1805 Sardis Rd North
Suite 136
Charlotte, NC 28270
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COVERAGE TERRITORY

AL-AZ-CA-CO-CT-DE-FL-GA-IA-IL-IN-KY-LA-MD-MI-MN-MO-MS-NC-NE-NJ-NV-NY-OH-OK-OR-PA-SC-TN-TX-UT-VA-WA


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North Carolina Office

PECO INSURANCE
1805 Sardis Rd North
​Suite 136
Charlotte, NC 28270
(704) 837-2942​
Click Here to Email Us

Florida Office

PECO INSURANCE
1111 Park Centre Blvd
Suite 340
Miami. FL. 33169
(305)602-3015​
Click Here to Email Us
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