Commercial Auto Insurance your personal auto policy has a business exclusion
Your insurer knows it. They don't volunteer it. The moment GPS data or app history shows you were working when the accident happened, personal policies deny the claim under the commercial use exclusion. The average third-party injury claim costs $27,373. Without the right coverage, that number is yours.
Does any of this sound familiar?
Contractors and tradespeople who drive to job sites
Gig drivers on Uber, Lyft, DoorDash, Instacart, or Amazon Flex
The business exclusion your personal insurer will not volunteer
Personal auto policies exclude commercial use in the fine print. When you have an accident and your insurer checks GPS data or app history, they have what they need to deny the claim. Uber and Lyft only cover your vehicle during an active ride. Period 1 (app on, waiting) is your responsibility. DoorDash does not cover your car at all. Instacart does not cover you in any period. A commercial policy closes every one of those gaps explicitly.
When you file a claim, you call me directly. Not a 1-800 number.
Progressive, Next Insurance, and every online-first carrier route you to a call center when something goes wrong. I am your agent before, during, and after the claim. If a carrier denies coverage, I escalate it. If you need a COI by tomorrow morning to keep a contract, I issue it today. That is not a promise most agents make because most agents disappear after the sale.
We compare 10+ carriers. Progressive only shows you one.
If you go directly to Progressive, you see Progressive rates. An independent agent compares 10 or more carriers for your specific vehicle, industry, and state. A gig driver can add commercial coverage from $15 a month over their current policy. A contractor with a pickup averages $177 to $285 a month. We find the real number before recommending anything.
What's covered?
Subject to policy terms and conditions.
Coverage by business type
Every industry has distinct risks. Your policy should reflect yours.
Uber / Lyft drivers
Covers Period 1, the gap platforms leave open
- Coverage while app is on and waiting for a ride
- Full liability during active trips
- Your own vehicle covered if the platform denies the claim
DoorDash / Instacart / Amazon Flex
Your car is never covered by the platform
- Coverage during pickup routes, not just active deliveries
- Instacart: complete protection where the platform covers nothing
- Works across all delivery apps on the same policy
Contractors and tradespeople
Your work truck is not a personal vehicle
- Liability coverage driving to and from job sites
- Tools and equipment stolen from the vehicle
- Employees listed as additional drivers
Small businesses with employees driving personal cars
Your GL policy does not cover their vehicle
- Hired and Non-Owned Auto closes the liability gap
- Covers errands, client visits, and job site runs
- Protects your business from claims on vehicles you do not own
Fleets of 2 or more vehicles
One policy, one agent, one call when you need it
- Lower cost per vehicle than individual policies
- Single monthly payment for the whole operation
- COI issued same day for any contract requirement
This is how it works
Tell us how your vehicle or business operates
Gig driver, contractor, fleet, or employees using personal cars. Five minutes is enough to identify every gap in your current coverage.
We compare 10+ carriers for your specific situation
Not every carrier covers every type of commercial use at the same price. We find the right fit for your vehicle, your state, and your industry.
Coverage active and someone to call when you need it
We stay with you after the sale. If a claim gets denied or you need a COI by morning, you have a direct line, not a ticket number.
Tell us how your vehicle or business operates
Gig driver, contractor, fleet, or employees using personal cars. Five minutes is enough to identify every gap in your current coverage.
We compare 10+ carriers for your specific situation
Not every carrier covers every type of commercial use at the same price. We find the right fit for your vehicle, your state, and your industry.
Coverage active and someone to call when you need it
We stay with you after the sale. If a claim gets denied or you need a COI by morning, you have a direct line, not a ticket number.
Ready to get started? Takes under 5 minutes.
· No commitment · No credit check
What our clients say
“My crew drives their personal trucks to every job site. My agent showed me that if any of them had an accident on the way to a client, my business could be sued and my GL policy would not cover it. Got it fixed the same week. That conversation saved me from a lawsuit I did not know I was exposed to.”
Mike T.
Dallas, Texas
“A property management company we wanted to work with required commercial auto with $1M limits on the COI. We had the policy and the certificate the next morning. Signed the contract that afternoon. I did not know a missing piece of paper was blocking that deal.”
Sarah M.
Phoenix, Arizona
“Had an accident delivering for DoorDash. My personal insurer denied the claim immediately, commercial use exclusion. I called my agent directly, not a 1-800 number. He contacted the carrier, disputed it, and two weeks later the claim was paid. I would not have known how to fight that alone.”
Robert V.
Houston, Texas
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Frequently asked questions
See what you're actually covered for most business owners are surprised by the answer
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