Commercial Insurance

Commercial auto coverage built for Montana roads.

Whether it’s a single work truck or a growing fleet, commercial auto insurance protects the vehicles your business depends on, through Belgrade winters and everything in between.

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The Basics

Why personal auto policies don’t cover business use.

A personal auto policy typically excludes vehicles used for business purposes. If you use a truck, van, or car to haul equipment, make deliveries, or visit job sites, you likely need a commercial auto policy instead.

Commercial auto coverage is built around how a business actually drives: higher liability limits, coverage for hired and non-owned vehicles, and options for the equipment you haul.

Covers vehicles titled to your business or used primarily for work
Includes liability, physical damage, and uninsured motorist protection
Extends to hired and non-owned vehicles employees may drive
Scales from a single pickup to a full commercial fleet

Vehicles We Commonly Insure

• Pickup trucks and work vans
• Landscaping and construction equipment trailers
• Delivery vehicles
• Multi-vehicle fleets

What’s Included

Core protections under commercial auto

Liability Coverage

Pays for injury or property damage your business vehicle causes to others.

Physical Damage

Collision and comprehensive coverage for repair or replacement of your own vehicles.

Uninsured/Underinsured Motorist

Protection if you’re hit by a driver with little or no insurance.

Hired & Non-Owned Auto

Covers vehicles employees rent or use personally for business errands.

Trailer & Equipment Coverage

Extends protection to trailers and equipment hauled behind a covered vehicle.

Fleet Management

Simplified coverage and reporting for businesses running multiple vehicles.

Common Questions

Commercial Auto FAQs

Do I need commercial auto if I only use my truck for work occasionally?

If a vehicle is used for business purposes with any regularity, even occasionally hauling tools or making deliveries, a personal auto policy may deny a claim. It’s worth a quick review with your advisor.

Can I insure a fleet under one policy?

Yes. Fleet policies can cover multiple vehicles under a single program, often with simplified reporting as vehicles are added or removed.

What if an employee drives their own car for work?

Hired and non-owned auto coverage can extend your business liability protection to vehicles employees drive on your behalf, even if your business doesn’t own them.

Let’s talk about your commercial auto coverage.

Belgrade-based advisors who know Montana business risk, ready to help.

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