
Protect Your Business with a Commercial Auto Insurance Policy
Your vehicles are essential to your business—protect them with coverage that works as hard as you do.
Get a Free Commercial Auto Insurance Quote
Safeguard your business with the right coverage at the right price. Call Melton McFadden at 800-704-2280 for a free, personalized commercial auto insurance quote. Our experts are ready to help you find the best policy to fit your needs and budget.
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Who Needs Commercial Auto Insurance
Any business that owns, leases, or uses vehicles for work should have commercial auto insurance. This includes:
- Contractors and construction companies
- Delivery and transportation services
- Rideshare and taxi operators
- Food service and catering businesses
- Landscaping and lawn care services
- Retail and wholesale distributors
- Real estate and property management firms
- Healthcare and home service providers
If your vehicle is used for business purposes, a personal auto policy may not provide enough coverage. Protect your business with a commercial auto insurance policy tailored to your needs.

Why Commercial Auto Insurance Is Important
Accidents happen, but the right coverage keeps your business moving. Commercial auto insurance protects you from costly repairs, medical expenses, and legal claims—so you can focus on running your business with confidence.
Vehicles Covered Under Commercial Auto Insurance Policies
- Company-owned cars, vans, and SUVs
- Pickup trucks and utility vehicles
- Box trucks and delivery vans
- Semi-trucks and tractor-trailers
- Tow trucks and service vehicles
- Food trucks and catering vans
- Construction and landscaping vehicles
- Vehicles used for business operations

Commercial Auto Insurance Coverage
Running a business means staying prepared for the unexpected. Whether you have a single company vehicle or an entire fleet, the right commercial auto insurance ensures you’re covered from every angle. From liability to collision and comprehensive coverage, we offer customizable options to protect your business, employees, and assets—so you can focus on what matters most.
Bodily Injury Liability
Coverage for damages that involve bodily injury to others for which you become responsible under law.
Property Damage Liability
Coverage for damage to property of others for which you become responsible under law.
Medical Payments
Coverage for reasonable and necessary medical expenses and funeral services for those accidentally injured while in your automobile or getting into or out of your automobile.
Personal Injury Protection
Coverage for medical, hospital, rehabilitation, loss of wages, or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.
Comprehensive
Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.
Collision
Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.
Uninsured Motorist
Coverage that allows you to recover bodily injury damages due to an accident where the other party does not have insurance and is found legally liable.
Underinsured Motorist
Coverage that allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
Additional Expense
Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging, and other incidental expenses.
Hired Auto Liability Coverage
Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
Hired Auto Physical Damage
Coverage for an automobile of any type, hired, borrowed, or leased on a short-term basis for use in the insured’s business.
Employer’s Non-Ownership Liability
Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.
Michigan’s Commercial Auto Insurance Requirements
If your business operates vehicles in Michigan, you must meet the state’s commercial auto insurance requirements. Michigan follows a no-fault insurance system, meaning businesses must carry specific coverage to protect against accidents, injuries, and property damage.
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $10,000 per accident for property damage (out-of-state)
- $250,000 personal injury protection (or less for individuals enrolled in Medicare or Medicaid)
- $1 million in property protection insurance

How to Save on Commercial Auto Insurance with Melton McFadden
Cutting costs on commercial auto insurance doesn’t mean sacrificing coverage. At Melton McFadden, we help businesses find practical ways to save while keeping their vehicles and drivers protected.
Fleet Discounts
Have multiple business vehicles? Insuring them under the same policy can lead to big savings. The more vehicles you cover, the more you can reduce your overall costs.
Safe Driver Programs
Encouraging safe driving habits among employees can pay off. Many insurers offer discounts for businesses that implement driver training programs or use telematics to monitor driving behavior.
Claim-Free Savings
If your business has a history of accident-free driving, you may qualify for lower rates. A clean claims record demonstrates responsible vehicle management and rewards you with better premiums.
Vehicle Safety Upgrades
Equipping your commercial vehicles with anti-theft devices, GPS tracking, or advanced safety features can lower your premiums. Investing in security can lead to significant savings.
Industry-Specific Discounts
Certain professions and industries qualify for specialized discounts. Whether you run a delivery service or a contracting business, we’ll help you find the best rate for your specific needs.
Policy Payments
Paying your policy in full or setting up automatic payments can reduce administrative fees and, in some cases, even lower your overall premium.
Related Policies
Get Quotes for Michigan Commercial Auto Insurance Coverage with Melton McFadden
At Melton McFadden, we’re here to help life—and business—go right. Get in touch today to learn more or request a quote today!
Get StartedFrequently Asked Questions About Commercial Auto Insurance
What is commercial auto insurance?
Commercial auto insurance provides coverage for vehicles used in business operations. It helps protect against accidents, property damage, and liability claims to ensure your business stays on track without unexpected financial setbacks.
What does commercial auto insurance cover?
It covers accidents, property damage, medical costs, and liability claims. You can also add coverage for hired vehicles, employee drivers, and specialized business use to make sure you’re fully protected.
How does commercial auto insurance work?
When a business-owned or business-used vehicle is involved in an accident, commercial auto insurance helps cover repairs, medical expenses, and legal claims. Policies are customized based on your business risks and vehicle usage.
How much commercial auto insurance do I need?
Michigan requires minimum coverage, but depending on your business, you may need more to protect against costly accidents or lawsuits. We can help you find the right balance between coverage and cost.
Do I need commercial auto insurance?
If you use your vehicle for business purposes—like transporting goods, carrying equipment, or making deliveries—you probably need commercial auto insurance. A personal policy typically won’t cover business-related accidents.
Do I need commercial auto insurance for Uber?
Yes, rideshare drivers typically need a commercial policy or rideshare-specific coverage. While Uber provides some insurance, it does not cover all situations, making additional coverage a smart choice.
Do I need commercial auto insurance for DoorDash?
Most personal auto policies won’t cover you while making deliveries. A commercial policy or a delivery driver endorsement can help protect you in case of an accident.
Do I need commercial auto insurance for Instacart?
Using your car for Instacart means it’s being used for business, which personal policies don’t usually cover. A commercial policy can help make sure you’re protected.
Do I need commercial auto insurance to deliver pizza?
Most personal policies exclude food delivery, so you may need a commercial auto policy or a special endorsement to stay covered while on the job.
Do I need both commercial and personal auto insurance?
If you use your vehicle for both personal and business purposes, you may need both policies or a hybrid option that covers both uses. We can help you find the right coverage to avoid gaps in protection.
Note: Link to March blog
Does commercial auto insurance cover personal use?
Some policies allow personal use, but not all. If you also use your work vehicle outside of business hours, we can help you find coverage that works for both.
Note: Link to March blog
Is commercial auto insurance more expensive?
Commercial auto insurance is generally more expensive than personal auto insurance because businesses face higher risks. However, we work with multiple carriers to find cost-effective solutions for your business.
How much is commercial auto insurance?
Rates vary based on factors like vehicle type, business industry, driving history, and coverage limits. At Melton McFadden, we compare multiple carriers to find the best price for your specific needs.
Note: Link to April blog
Can you write off commercial auto insurance?
Yes, commercial auto insurance is typically tax-deductible as a business expense. Consult your tax professional to ensure you’re maximizing your deductions.
Why should I get commercial auto insurance quotes from Melton McFadden?
At Melton McFadden, we partner with multiple insurance carriers to find the best coverage at the most competitive price. Our experts take the time to understand your business and customize a policy that keeps your operations protected. If you’re looking for commercial auto insurance in Michigan, contact us today or call 800-704-2280 to get a quote!