Business auto coverage for the vehicles your company depends on every day—trucks, cars, vans, and service vehicles across Lancaster County and beyond.
If your employees drive for work, you need more than a personal auto policy to stay protected. Commercial auto insurance helps cover business-owned vehicles and work-related driving throughout Lancaster, New Holland, York, Harrisburg, and the surrounding Pennsylvania region. Whether you rely on a single pickup or a small fleet, we’ll help you match coverage to your real-world risks, not just a generic package. As an independent agency, Community Insurance shops multiple carriers on your behalf so you can feel confident about both your protection and your premium.
Business-Owned Vehicles
Coverage for cars, pickups, SUVs, service trucks, and vans titled in your business name. Policies can include liability, collision, comprehensive, and other options tailored to how each vehicle is used.
Employee Drivers & At-Fault Accidents
If an employee causes an accident while driving a business vehicle, commercial auto liability helps protect your company from injury and property damage claims. This coverage can also help with legal defense and settlements up to your policy limits.
Hired & Non-Owned Auto Liability
Protection for situations where employees use their own cars or a rental vehicle for business errands, deliveries, or appointments. Instead of relying solely on their personal insurance, your policy can help safeguard the business if a claim exceeds those limits.
Vehicle Damage, Theft & Weather Losses
Physical damage coverage can help repair or replace business vehicles after collisions, theft, vandalism, fire, or certain weather events. This keeps critical vehicles on the road so you can stay on schedule and continue serving customers.
Specialty & Branded Vehicles
From wrapped marketing cars to tool-packed service trucks and small fleets, commercial auto policies can be customized to reflect vehicle value, custom equipment, and branding. That way you’re not left underinsured if a heavily equipped work truck is damaged or totaled.
How Our Team Handles Your Business Auto Coverage
When you contact Community Insurance about commercial auto insurance, we start by learning how your vehicles are actually used day-to-day. We review your drivers, routes, equipment, and any current policies so we can spot gaps, overlaps, or outdated limits. Then we quote multiple commercial auto carriers, comparing coverage options, deductibles, and pricing in plain language. Once your policy is in place, we’re here for vehicle changes, driver updates, certificate requests, and claims support whenever you need us.
Our Simple Process:
- Discovery call or meeting to understand your vehicles, drivers, and operations.
- Review of current insurance and loss history, if available.
- Quote and comparison from multiple commercial auto carriers.
- Policy setup, certificates of insurance, and ongoing updates as your business grows.
Commercial Auto Insurance - Commonly Asked Questions
Frequently Asked Questions
Do I really need commercial auto insurance for my small business?
If you or your employees regularly drive for work—hauling tools, visiting customers, making deliveries, or traveling between job sites—commercial auto insurance is usually the safer choice. Personal auto policies often exclude business use or limit how they respond to work-related accidents. Commercial coverage is built around the higher risks and liability that come with business driving. We’ll help you determine whether a true business auto policy is necessary based on how you use your vehicles.
What types of vehicles can be covered under a commercial auto policy?
Commercial auto insurance can cover a wide range of vehicles owned or used by your business. This includes cars, pickups, SUVs, cargo vans, box trucks, and many types of specialty or service trucks. In some cases, it can also extend to trailers and permanently attached equipment. We’ll make sure each vehicle is listed correctly so coverage matches what you rely on every day.
What’s the difference between commercial auto and fleet insurance?
Commercial auto insurance can be written for a single business vehicle or for several, while “fleet insurance” typically refers to policies designed for larger groups of vehicles. Many small and mid-sized businesses in Lancaster County simply need a commercial auto policy that covers a handful of trucks or vans. As your number of vehicles grows, we can help you explore fleet-style options and rating structures. Either way, the goal is consistent, dependable protection for every driver and vehicle.
Does commercial auto insurance cover employees driving their own cars?
Not automatically. A standard commercial auto policy focuses on vehicles owned or leased by the business. If employees use their own vehicles for business errands, deliveries, or client meetings, you’ll usually want hired and non-owned auto liability added to your program. This helps protect the business if an employee’s personal policy isn’t enough in a serious claim.
How can I lower the cost of business auto insurance?
Pricing depends on factors like vehicle types, driving records, claims history, how far and where you drive, and the limits you select. We’ll look for ways to balance strong protection with smart deductibles, appropriate limits, and potential discounts from each carrier. Clear driver guidelines, good maintenance, and a clean loss history can also help over time. As your independent agent, we can re-shop coverage as your business and the insurance market change.
Ready to Protect the Vehicles Your Business Depends On?
If commercial vehicles are essential to your work, it pays to have a local team making sure they’re properly insured. Community Insurance is here to help businesses, nonprofits, and farms in Lancaster, New Holland, York, Harrisburg, and throughout Pennsylvania build commercial auto coverage that fits their drivers, routes, and budget.