Commercial Auto Insurance 

Protect your business vehicles with commercial auto insurance. Whether you own a single company car or a fleet, we provide tailored coverage for businesses in any location.

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Keep your business moving.

Coverage that drives your business forward.

If your business owns or operates vehicles, commercial auto insurance is essential. Whether you have a single service van, delivery trucks, or an entire fleet, this coverage protects against accidents, liability claims, theft, and vehicle damage.

At Stephen Benjamin Insurance Agency, we help businesses find affordable commercial auto policies that meet state requirements and industry needs. We’ll ensure your business vehicles, employees, and cargo stay protected—no matter where the road takes you.

Comprehensive coverage for business vehicles.

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Liability Protection

Covers bodily injury and property damage if your driver is at fault in an accident.

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Collision & Comprehensive

Pays for vehicle repairs or replacement due to accidents, theft, vandalism, or natural disasters.

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Hired & Non-Owned Auto Coverage

Protects vehicles your business rents, leases, or uses for work, including employee-owned cars used for business purposes.

Know your coverage before you hit the road.

Here are answers to the most common questions about commercial auto insurance.

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  • Who needs commercial auto insurance?

    Any business that owns, leases, or regularly uses vehicles for work purposes needs commercial auto insurance. This includes contractors, delivery services, real estate agents, and tradespeople. If employees drive for work, even in personal vehicles, hired and non-owned auto coverage may be necessary.

  • How is commercial auto insurance different from personal auto insurance?

    Commercial auto insurance covers business-owned vehicles, offering higher liability limits and coverage for employees, equipment, and business use-related risks. Personal auto policies don’t cover accidents that happen while driving for work, which is why businesses need separate coverage.

  • Does Massachusetts require commercial auto insurance?

    Yes. Massachusetts law requires businesses to carry commercial auto insurance for vehicles used in daily operations. Minimum coverage includes liability, personal injury protection (PIP), and uninsured motorist protection, but businesses often need higher limits to fully protect their assets.

  • How much does commercial auto insurance cost?

    Premiums depend on vehicle type, driving records, coverage limits, and industry risks. On average, small businesses pay between $750–$3,000 per vehicle per year. Larger fleets or businesses with high-risk operations may need additional coverage, which we’ll help you customize.

  • Can I bundle commercial auto insurance with other business policies?

    Yes! Many businesses bundle commercial auto insurance with general liability, property insurance, or a Business Owner’s Policy (BOP) for savings. If your company uses multiple work vehicles or has employees who drive, we’ll create a customized insurance package that ensures complete protection.