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Protect your business vehicles with liability, physical damage, and driver coverage.
Licensed in PA, TX, VA, MD, OH, TN & KY only. Quotes available for these states.
Quick Answer
Claims from accidents caused by your drivers.
Repairs for company vehicles.
Protection from uninsured drivers.
Medical bills for occupants.
Coverage for rented or employee vehicles.
Coverage for goods in transit.
Why You Need It
Commercial auto insurance protects your business vehicles, your employees, and your financial liability. Whether you're making deliveries or transporting equipment, it helps cover accidents, damages, and legal claims, so your business keeps moving forward.
Single vehicle operations.
Small fleets and delivery teams.
Large fleets with specialized vehicles.
Vehicle type
Heavier vehicles cost more to insure.
Driver history
Claims and violations increase premiums.
Mileage
Higher mileage increases exposure.
Industry
Risk varies by industry and use.
Yes if the vehicle is used for business purposes.
Hired and non-owned coverage can protect that exposure.
Turnaround varies by vehicle list, drivers, and carrier requirements. We will confirm timing after review.
Yes. Trailers can be added to the policy.
If you transport goods, cargo coverage is recommended.
Rental coverage can be added for downtime protection.
Limited personal use may be included by endorsement.
Yes. We can build fleet programs for multiple vehicles.
Quote Support
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Contact Us
Tell us a bit about what you need and we will respond as soon as possible.
Check Your Situation
Most people find out the answer after a claim is denied, which is the worst possible time. You can answer it in about a minute right now.
You need a commercial auto policy if any of these are true
A personal policy is usually fine if all of these are true
Not sure which column you are in? That grey area is exactly what we talk through on the phone, and it costs nothing to ask.
One case surprises people often enough to call out: if employees run errands in their own cars for your business, your business can still be sued after their accident. That exposure is covered by hired and non-owned auto, which is an endorsement, not something a personal policy provides. See our commercial auto insurance guide for how that works in practice.
After You Buy
01
Make the scene safe, then document it
Injuries first, then police report, then photographs of both vehicles, the road, and any equipment or cargo involved. Get the other driver's insurance details. If an employee was driving, get their account in writing the same day while it is fresh.
02
Report it, even if fault is unclear
Report to the carrier and tell us. Do not wait to work out who was at fault, and do not agree with the other party about fault at the scene. Late reporting causes far more problems than an unclear liability picture does.
03
The adjuster investigates
Expect questions about who was driving, whether the trip was business use, and whether the driver is listed on the policy. This is precisely where businesses on a personal policy get denied, and where a correctly written commercial policy simply pays.
04
Repairs, replacement, and your renewal
Physical damage handles your vehicle, liability handles the other party. Afterward the claim follows your account into renewal, so we start shopping your renewal across markets rather than accepting one carrier's re-rate.
What we do that a quote engine does not
A comparison site sells you a price. We are still here at renewal, when a driver leaves and needs removing, when a new van arrives and needs adding same day, when a client demands a certificate of insurance by 5pm, and when a claim needs someone chasing the adjuster. We explain what is actually covered before you sign, in plain language, so nothing is a surprise later. Same agency, same phone number, every time you call.
Blog
Commercial vehicle insurance guidance, fleet coverage tips, and state requirements across PA, TX, VA, MD, OH, TN, and KY.
May 6, 2026
Commercial Auto Insurance Why Personal Auto Does Not Cover Business Use
Personal auto policies deny business-use claims. Learn what commercial auto covers, PA minimum limits, HNOA explained, cost by vehicle type, and 8 premium factors with real data from Insureon, Progressive, and the PA PUC.
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June 9, 2026
Commercial Trucking Insurance Requirements by State 2026
FMCSA requires $750,000 minimum liability for general freight, $1,000,000 for oil transport, and $5,000,000 for hazmat. Dragon helps owner-operators meet federal and state filing requirements in PA, TX, VA, MD, OH, TN, and KY.
Read article →
May 5, 2026
General Liability Insurance for Small Businesses What It Covers and Why Contracts Require It
General liability insurance is the foundation of every business insurance program. Learn what it covers, what it does not, and how much it costs for your industry.
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