Commercial Auto Insurance

Whether you drive a vehicle for work purposes or own a fleet of vehicles, having the proper commercial auto insurance is imperative.

Commercial Auto Insurance

One of the biggest challenges when facing insurance coverage is understanding the type of commercial protection you need, as well as the coverage amount. At Brownell Insurance Center, our agents are here to help you decipher each detail to provide you with peace of mind.


If you are using a vehicle for work, you most likely need commercial coverage. This is also true for companies with a fleet of vehicles and drivers on the road. However, if you are a sole proprietor, personal vehicle insurance may be okay. The first step in determining if you need commercial auto insurance, is to look at who owns the vehicle. From there, there are further questions. further. Below is a brief overview of a few questions that your insurance agent will cover when discussing commercial vehicle coverage:

  • Is the vehicle titled under the company? 
  • Who is driving the vehicle? 
  • When driving, is the vehicle used only for business purposes or is it driven for personal use as well? 
  • What type of vehicle requires coverage? 
  • What are your required business liability limits?

For the sake of simplicity, let us assume that you are a business owner with at least one other employee, and that the company owns the vehicles in question. In this instance, commercial insurance provides higher coverage amounts and greater liability coverage for you, your passengers, and anyone involved in an accident than personal coverage would allow. Further, if the vehicle is titled under the business, you must carry commercial insurance.

Take the guesswork out of commercial auto insurance and contact Brownell Insurance Center. Our team is here to help you decide which type and how much coverage is needed. Call us today to receive your estimate!