Commercial Auto Insurance
Commercial Auto Insurance for Your Business Vehicles
In the span of a little over a century, commercial auto insurance has run the gamut from the first motorized gas-powered vehicle to the prospect of driverless cars. Gilbert’s Risk Solutions has been providing solid commercial auto coverage to neighboring businesses since the turn of the last century.
Do you need commercial auto insurance? Yes, if you own, lease, or rent one or more vehicles that you or an employee uses for business – vans, taxis, pickup trucks, limos, buses, and more. All U.S. states mandate commercial vehicle liability. There are many coverage variables that fluctuate from carrier to carrier; we’ll recommend the best options from our more than 100 insurers based on your needs. Special rules may also apply for large trucks, interstate transport, or D.O.T. requirements.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
What Commercial Auto Insurance Typically Covers
Liability Insurance
- Bodily injury
- Property damage
- Uninsured Motorist and Underinsured Motorist
Physical Damage Coverage
- Collision
- Comprehensive
Additional Coverage Options
- Frequent coverage options include:
Rental replacement - Towing
- Roadside assistance
- Vehicle replacement cost
- Leased & Loan vehicles
- Gap Insurance
- Fire and Theft with CAC Insurance
Our Goal Is to Be Your Outsourced Risk Management Partner
Business owners know there’s always something that can go wrong – a production delay in the supply chain, a worker injury on the job. Every day, there are about 6,500 injuries and 90 fatalities related to motor vehicles, and vehicle-related accidents can be costly whether you’re at fault or not. It’s imperative for your business to stay in compliance with commercial vehicle regulations and protected from loss should an accident occur. At Gilbert’s Risk Solutions, our goal is to work with you to ensure your business is protected with the right commercial auto insurance policy.
Managing Risks
Gilbert's Risk Solutions takes a risk management, consultative approach to your business. Insurance helps insulate you financially from loss, but it's only one part of a comprehensive risk management program aimed at reducing losses – and ultimately, the cost you pay for insurance.
Controlling Costs
We help you anticipate risks and control losses through best practices like hiring safe drivers, offering driver training, and establishing clear policies – mandatory seatbelt use, drug and alcohol prohibitions, distracted driving policies, and reporting expectations should accidents occur. We'll also advise you on discount or safety programs that could lower your costs.
360 Degree Approach
A benefit of working with Gilbert's Risk Solutions is our 360-degree approach to risk. Our team of experts in Loss Control, HR, Employee Benefits, and training are all available to our clients – helpful if you need to establish a best-practice hiring process, implement drug testing, or access an EAP.
Our RISK SHIELD® Process
Insurance alone isn’t enough. Our RISK SHIELD® methodology helps us Consult, Design, Build, and Maintain a complete risk strategy for your fleet – not just a policy.
CONSULT
DESIGN
BUILDING
MAINTAIN
Commercial Auto Insurance FAQs
Generally, no. Personal auto policies typically exclude business use, especially for deliveries, transporting goods, or client visits. You'll need a commercial policy for business driving.
Vans, trucks, taxis, limos, buses, and any vehicle registered or used for business purposes typically qualify, including vehicles used by independent contractors for work.
Pricing depends on factors like vehicle type, usage, driving records, coverage limits, and industry – we'll help find the best rate from our 100+ carrier partners.
Yes – hired and non-owned auto coverage protects your business if an employee causes an accident while using their personal vehicle for work purposes.
