Commercial Auto Insurance

Keep Your Business Moving

If your business relies on a vehicle—or a whole fleet—to get the job done, a fender bender could do more than slow you down. It could stall your operations, damage your reputation, and cost thousands in repairs or liability claims.

That’s where Commercial Auto Insurance comes in. It covers the vehicles your business owns or uses for work, from delivery vans and pickup trucks to service cars and trailers.

At Spectrum Insurance, we help businesses across Connecticut find the right commercial vehicle coverage for how they operate—without paying for protection they don’t need. And because we work with over 25 top-rated carriers, we’ll shop the market to get you the best fit at the best price.

What Does Commercial Auto Insurance Cover?

Commercial auto policies are designed for vehicles used for work, not personal use. Coverage typically includes:

• Liability Coverage – If your driver causes an accident that results in injuries or property damage
• Collision Coverage – Pays for damage to your vehicle from an accident, regardless of fault
• Comprehensive Coverage – Covers non-collision incidents like theft, vandalism, fire, or falling objects
• Medical Payments / Personal Injury Protection (PIP) – Helps cover medical bills for you or your driver
• Uninsured/Underinsured Motorist Coverage – If someone hits you and doesn’t have enough insurance
• Hired & Non-Owned Auto – Protection for vehicles your business doesn’t own but uses occasionally (like employee cars or rentals)

This coverage is required by many contracts and job sites—and it’s one of the smartest investments you can make if your wheels keep your business rolling.

Real-World Example: The HVAC Van Sideswipe

You run an HVAC company based in central Connecticut. One of your technicians gets sideswiped in a company van while heading to a job. No one’s hurt, but the van is out of commission for two weeks and the damage isn’t minor.

Thanks to your commercial auto policy, the vehicle is repaired quickly, and the cost is covered. Your technician gets access to a rental so the jobs don’t stop—and your business doesn’t lose momentum (or money).

Who Needs Commercial Auto Insurance?

You likely need commercial auto coverage if your business:

• Owns or leases vehicles titled in the company name
• Uses vehicles to deliver goods, transport equipment, or travel to job sites
• Requires employees to drive for work purposes
• Has logos or equipment permanently installed in vehicles
• Is required by contract or vendor to carry auto liability coverage

Industries we frequently insure include:

• Contractors & tradespeople
• Landscapers & snow removal services
• Delivery & courier businesses
• Cleaning & mobile service companies
• Real estate agents with branded vehicles
• Restaurants with catering or delivery vans

Even a single vehicle used for work should have commercial coverage—personal auto insurance usually won’t pay for business-related claims.

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At Spectrum Insurance, we compare quotes from top-rated carriers across Connecticut, tailoring coverage to your specific needs, industry, and budget. You tell us what you do—we’ll find the right fit, explain it clearly, and make sure you’re not overpaying.