Driven to Protect Your Business.

Commercial Auto Insurance for everything from a single contractor's pickup to a heavy truck fleet.

Your Personal Policy Won't Cover This

The most dangerous misconception in business insurance is thinking, "I just use my truck for work sometimes, so my personal insurance covers it."

That is often false. Personal auto policies generally exclude business use. If you are hauling tools to a job site, delivering pizza, or carrying clients, a claim on a personal policy can be denied instantly—leaving you personally liable for thousands of dollars.

At River East Insurance, we make sure your vehicles are classified correctly. Whether you have one work van or twenty box trucks, we build a Commercial Auto policy that protects your vehicles, your drivers, and your business assets.

Vehicles We Insure

We have markets for almost any commercial vehicle type.

Contractor Pickups & Vans
Box Trucks & Delivery Vehicles
Dump Trucks & Landscaping Trailers
Tow Trucks
Private Passenger Cars for Sales/Real Estate
Food Trucks

Essential Commercial Auto Coverage

Bodily Injury & Property Damage

The core of the policy. If you or your employee causes an accident, this pays for the other driver's medical bills and vehicle repairs. Commercial limits are typically much higher than personal limits (e.g., $1M).

Legal Defense Costs
Settlements & Judgments
High Limits Available

Collision & Comprehensive

Pays to repair your vehicle if it's damaged in a crash, stolen, vandalized, or hit by a falling tree branch. Essential for newer or leased vehicles.

Accident Repairs
Theft & Vandalism
Weather Damage (Hail/Flood)

Hired & Non-Owned Auto

A critical gap filler. It covers the business if an employee gets into an accident while driving their own personal car for a work errand (like going to the bank or picking up supplies).

Employee Personal Vehicles
Rented Business Vehicles
Protect the Business Assets

Fleet Safety & Discounts

Insurance is a major expense for any fleet. The best way to lower your premium is to demonstrate that you are a safe operation.

We work with carriers who offer Telematics Programs (GPS tracking) that can discount your rates for safe driving behavior. We also help you screen drivers before you hire them by running Motor Vehicle Reports (MVRs) to ensure they are insurable.

✔ Cargo Coverage: Protect the tools and materials inside your truck, not just the truck itself.
✔ Trailer Interchange: Essential for truckers who haul trailers they don't own.
✔ Filings: We handle state and federal filings (like FMCSA) to keep your authority active.

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Common Commercial Auto Questions

Can I just put my work truck on my personal policy?

Usually, no. If the vehicle is owned by an LLC or used primarily for business (especially if it has ladder racks or signage), most personal carriers will deny the claim. It needs a Commercial policy.

What impacts my Commercial Auto rate?

Driver age and record, vehicle weight/type, radius of operation (how far you drive), and the cargo you haul all play a major role.

Does this cover my tools?

No. Commercial Auto covers the vehicle. You need an "Inland Marine" (Tool Floater) endorsement to cover the expensive tools locked inside.

What if I have a bad driving record?

We have markets for high-risk drivers. It will cost more, but we can get you the filing you need to get back on the road legal.