What is a Commercial Auto Policy?

A commercial auto policy provides comprehensive and collision coverage for drivers and vehicles used as part of normal business operations. Think of it as an auto insurance policy for your business specifically. Getting a commercial auto policy with Oyster includes additional benefits as well, some of which include getting a highly competitive rate, coverage tailored to your business needs, and an online application and servicing experience.

What does it cover?

Collision damage

Covers damage to your vehicle that's the result of a collision with another vehicle or object.

Comprehensive coverage

Covers damage to your vehicles from unexpected non-collision incidents like theft, animal damage, falling trees, and weather damage.

Injury and liability

Covers medical and liability expenses that may result from an accident involving your vehicles.

Towing and repair

Covers expenses related to a vehicle breaking down and needing to be towed or repaired.

Property damage

Covers accidental damage to property as a result of an accident or collision.

Who needs a Commercial Auto policy?

Your business probably needs a commercial auto policy if it owns or operates any vehicles as part of its normal business operations, such as shipping, transportation, delivery, and more. It’s important to know that personal auto insurance may not cover accidents and incidents that occur while driving for your business.

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