Frequently Asked Questions


What is commercial auto insurance?

Commercial auto insurance is insurance coverage for cars that are owned and operated by a business.

Why is commercial auto insurance more expensive?

Insuring a business comes with a bigger risk than insuring an individual driver.

When do you need commercial auto insurance?

Businesses needed commercial auto insurance when it uses vehicles for any business-related activities.

When is commercial auto insurance required?

Commercial auto insurance is needed for every car that is used for business purposes.

What does commercial auto insurance cover?

The coverages depend on the specific policy.

How much commercial auto insurance do I need?

The amount of coverage needed varies by business and depends on the number of vehicles being insured, what the vehicles are being used for and several other factors. An Insurance Navy, an agent will work with you to find the best coverage for your business.

Where can I buy commercial auto insurance?

At Insurance Navy, you may purchase commercial auto insurance at any of our local offices, online, over the phone or through or mobile app.

Does commercial auto insurance cover personal use?

Personal use will be covered for a company vehicle as long as the car has commercial auto coverage.

Is commercial auto insurance tax deductible?

Commercial auto insurance is tax deductible.


Do you need have a question about commercial auto insurance that was not answered? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own policy for details on your commercial auto coverage. Coverage options vary by policy and provider.