Commercial Auto Insurance

Commercial Auto Insurance covers your company’s vehicle fleet for liability losses and also provides the option of physical damage coverage, such as comprehensive and collision coverage like on your personal auto insurance policy.   Commercial auto insurance policies cover auto liability and physical damage on basis of:Symbol 1)  any auto, Symbol 7) scheduled autos, Symbol 8) non-owned auto, and Symbol 9) hired auto. Any auto coverage with endorsements for non-owned auto and hired auto is recommended (1, 8, 9), because if an insured uses scheduled auto and the insured or agent fails to keep their scheduled policy up to date, coverage will not be in place for an unscheduled but owned vehicle.

“Hired auto” are vehicles which are hired, leased, or borrowed by your company. “Non-owned auto” covers vehicles which are not owned, hired, leased or borrowed, but that are used in connection with your company, such as an employee using their personal vehicle to attend sales appointments.   Always make sure your employees carry reasonable personal auto insurance liability limits (such as $100,000 bodily injury per person), because personal auto liability policies are the default first line of coverage in an auto liability suit involving a privately owned vehicle which also names your business.


Have recommended 235 Insurance to several clients, all of whom have had rave reviews for their commitment, responsiveness, and knowledge. They always goes above and beyond. Please consider this my highest recommendation. If 235 cannot help you, they will find someone who can.

Thomas J. Nitschke, Esq.

235 Insurance is our preferred referral for customers. Keith is an excellent communicator, highly enthusiastic, and easy to work with. Their knowledge of the industry helps them find the right policy for each individual client and need. I trust Keith and 235 Insurance.

Juan F LopezPresident Network Mortgage, LLC

235 Insurance is my first and only recommendation for commercial insurance coverage. I have seen them handle the needs of professional service firms and brick-and-mortar businesses with equal skill. 235 Insurance has my highest personal recommendation.

Justin WeinrichThe Weinrich Law Firm LLC

What impressed me most about 235 Insurance is that they actually seemed interested in my business. When we met to discuss updating our workers’ compensation, our agent took detailed notes & thereafter gave us multiple quotes within a few days. It was a no-brainer to make the switch from my old insurance company to an agency that actually cares and goes above and beyond for its clients.

Deepak Neduvelil DDS Skyline Smiles LLC

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