Koosh Insurance · Business & Industry

    Commercial Auto

    The rear-end collision in the parking lot. The employee who borrowed the truck for an errand. The trailer that came unhitched on I-95. If your business owns vehicles, your employees drive on company business, or you transport equipment, materials, or people, commercial auto is essential. Personal auto policies generally exclude business use, which means your standard policy will deny coverage when an accident happens during work — regardless of who owns the vehicle.

    See what's covered

    Coverage

    What this coverage includes

    • Bodily injury liability for injuries to other people in an accident your driver caused
    • Property damage liability for damage to other vehicles or property
    • Medical payments / personal injury protection for injuries to your driver and passengers
    • Uninsured/underinsured motorist for accidents caused by drivers without adequate insurance
    • Physical damage — collision and comprehensive — for damage to your own vehicles
    • Hired and non-owned auto liability for vehicles your business doesn't own but uses (rentals and employee personal vehicles used for work)
    • Trailer and equipment coverage within scheduled or blanket limits

    Who Buys This

    Who typically buys this coverage

    • Contractors and trades — pickup trucks, vans, and trailers used daily for jobs
    • Delivery and service businesses — frequent stops, urban driving, high frequency exposure
    • Sales organizations — employees driving personal vehicles for work need hired and non-owned coverage
    • Trucking and transportation — separately regulated, with much higher minimum limits and federal filings (MCS-90, BMC-91)
    • Any business with company-titled vehicles, even one — personal auto won't respond

    Why Koosh

    Why Koosh Insurance

    Commercial auto has gotten harder and more expensive in nearly every state over the past several years. Carrier appetite has narrowed, rates have climbed, and clean placement requires more work upfront. We do that work.

    Class and use review at every quote — wrong classification inflates premium or invites a denial.

    Driver record management — we help establish hiring standards, MVR pull cadence, and safety programs that keep you in standard-market appetite.

    Hired and non-owned coverage by default — almost no business should be without it.

    Trucking and transportation expertise — federal filings, higher limits, and specialty trucking markets.

    Carrier breadth — including markets that will write tougher classes other agencies turn away.

    FAQ

    Frequently asked questions

    Yes. Even if their personal auto policy responds first, your business can be sued and held liable as the employer. Hired and non-owned auto coverage fills this gap. It's inexpensive and almost always worth carrying.

    Personal auto policies usually exclude rideshare and delivery use, and commercial auto policies often exclude it too unless specifically endorsed. We help drivers understand what they're actually covered for.

    Vehicle type and use, garaging location, driver records, miles driven, radius of operation, and class of business. We classify carefully — wrong classification is one of the most common reasons clients overpay.

    Named driver policies only cover specifically listed drivers. Permissive use covers anyone driving with permission. For most commercial accounts, we recommend permissive use — named driver creates dangerous gaps when an unlisted employee gets behind the wheel.

    If you transport goods or passengers in interstate commerce for hire, federal filings apply and minimum limits are much higher (often $750,000 or $1M). We handle the filings and place the coverage.

    Not under auto. Tools and equipment in transit are covered under inland marine or commercial property (sometimes called a "tools and equipment floater"). We bundle them appropriately.

    Related

    Related services

    General Liability

    Third-party bodily injury, property damage, personal injury.

    Business Owners Policy (BOP)

    Bundled GL + Property + BI for small/mid businesses.

    Grocery / Supermarkets

    Tailored coverage for grocery and supermarket operations.

    This page provides general information about Commercial Auto insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Commercial Auto

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314