Commercial Auto Insurance
Commercial auto covers the vehicles your business owns and operates — parts-runner vehicles, shop trucks, enclosed trailers, and rollback transporters used to haul customer cars to the track or between locations.
Commercial Auto for Performance & Tuner Shops
If your shop owns vehicles — a parts runner, a shop truck, an enclosed trailer, or a rollback to transport customer cars — you need commercial auto coverage. Personal auto policies exclude business use, leaving an owned shop vehicle uninsured for the work it actually does.
What's Covered
- Liability: At-fault accidents causing injury or property damage
- Collision: Damage to your owned vehicle from a crash
- Comprehensive: Theft, fire, and weather damage to your vehicles
- Hired & non-owned auto (HNOA): Rented vehicles and employee vehicles used for shop errands
- Trailer and transport coverage: For hauling cars to events, the track, or between locations
Tuner-Shop-Specific Considerations
- Transporting customer cars: Hauling a customer's vehicle to a track day or dyno session creates both auto and care-custody exposure — we coordinate commercial auto with garagekeepers/cargo coverage so the vehicle and the trailer are both protected
- Enclosed trailers: Often carry valuable cars and tools; scheduling them properly avoids a coverage gap
- Parts runs: Frequent short trips add up to real exposure that a personal policy won't cover
How It Relates to Garage Liability
Garage liability covers the auto exposure of driving customers' vehicles (test drives). Commercial auto covers vehicles the shop owns. Most full-service shops need both. We structure them so there's no overlap and no gap.
What's Covered
Frequently Asked Questions
Yes. Regular business use of a vehicle — parts runs, towing, hauling — is excluded by personal auto policies. You need a commercial auto policy or a business-use endorsement so an accident on a parts run is covered.
Commercial auto covers your vehicle and trailer and their liability; the customer's car in transit is a care-custody exposure addressed through garagekeepers or cargo coverage. We coordinate both so nothing falls through the cracks.