Protect Your Business Vehicles and Drivers

Whether you own a single work truck or manage a fleet of vehicles, commercial auto insurance helps protect your business from costly accidents, lawsuits, and vehicle damage. At M&M Insurance Agency, we help Michigan and Wisconsin businesses find affordable commercial auto coverage that fits their operations and budget.

We work with contractors, landscapers, electricians, plumbers, delivery businesses, real estate professionals, and many other local businesses that rely on vehicles every day.

 

What Is Commercial Auto Insurance?

Commercial auto insurance provides coverage for vehicles used for business purposes. Personal auto insurance often excludes business use, leaving business owners exposed to significant financial risk.

 

Commercial auto policies can cover:

• Cars

• Pickup trucks

• Vans

• Box trucks

• Service vehicles

• Dump trucks

• Trailers

• Specialty vehicles

 

Whether you have one vehicle or an entire fleet, proper coverage helps protect your business assets.

 

 

What Does Commercial Auto Insurance Cover?

 

Liability Coverage

Pays for bodily injury and property damage you cause to others in an accident.

 

Collision Coverage

Helps pay to repair or replace your vehicle after a collision, regardless of fault.

 

Comprehensive Coverage

Protects against theft, vandalism, fire, hail, falling objects, and other non-collision losses.

 

Medical Payments Coverage

Helps cover medical expenses resulting from an accident.

 

Uninsured and Underinsured Motorist Coverage

Provides protection if you're involved in an accident with a driver who has little or no insurance.

 

Hired and Non-Owned Auto Coverage

Protects your business when employees use personal vehicles or rented vehicles for business purposes.

 

Who Needs Commercial Auto Insurance?

Many businesses require commercial auto insurance, including:

• General Contractors

• Electricians

• Plumbers

• HVAC Contractors

• Landscapers

• Snow Removal Businesses

• Painters

• Handyman Services

• Delivery Services

• Real Estate Professionals

• Property Managers

• Retail Businesses

• Professional Services Firms

 

If a vehicle is owned by your business or regularly used for business activities, commercial auto insurance is often necessary.

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Why Choose M&M Insurance Agency?

As a local independent agency serving Michigan and Wisconsin, we understand the risks businesses face in our area.

 

We help business owners:

• Compare multiple insurance options

• Review coverage limits

• Identify available discounts

• Meet contract requirements

• Add additional insureds when needed

• Coordinate commercial auto with other business insurance policies

 

Our goal is to make the process simple and ensure you understand your coverage before a claim occurs.

 

Bundle Commercial Auto with Other Business Insurance

Many businesses can save money and improve protection by combining commercial auto insurance with:

• General Liability Insurance

• Business Owners Policy (BOP)

• Commercial Property Insurance

• Workers' Compensation Insurance

• Commercial Umbrella Insurance

 

Bundling policies can often provide broader protection and additional discounts.

 

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Frequently Asked Questions

 

Can I use my personal auto policy for business?

In many cases, no. Personal auto policies often exclude or limit business use. A commercial auto policy may be required depending on how the vehicle is used.

 

Do I need commercial auto insurance if I only have one truck?

Yes. Even a single business-owned vehicle typically requires commercial auto insurance.

 

What information is needed for a quote?

We generally need:

• Driver information

• Vehicle information

• Business name

• Business operations

• Current insurance information

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Can employees drive covered vehicles?

Yes, depending on how the policy is structured and which drivers are listed.