Commercial Auto Insurance — Protecting the Vehicles That Keep Your Business Moving

Whether you run one work truck or an entire fleet, Commercial Auto Insurance is essential. Personal auto insurance won’t cover vehicles being used for business purposes — and finding out after a claim is an expensive mistake.

At Crosswinds Insurance Agency, we help businesses get commercial auto coverage tailored to their operations.

What Is Commercial Auto Insurance?

Commercial Auto covers vehicles that are owned, leased, or used for business.

This includes:

• Trucks

• Vans

• SUVs

• Service vehicles

• Business-owned cars

• Trailers

• Box trucks

• Work vehicles carrying tools or equipment

If it’s used for work, it needs commercial coverage.

What Does Commercial Auto Cover?

A commercial auto policy typically includes:

1. Liability Coverage

Covers injuries or property damage you cause to others while driving for business.

2. Physical Damage: Comprehensive & Collision

• Collision covers accidents involving other vehicles or objects.

• Comprehensive covers theft, vandalism, weather events, falling objects, and animal strikes.

3. Uninsured/Underinsured Motorist (UM/UIM)

Protects your drivers if they are hit by someone with little or no insurance.

4. Medical Payments

Covers medical expenses for your driver or passengers after an accident.

5. Hired & Non-Owned Auto

Covers employees driving their own cars for business

— vital for contractors, salespeople, delivery workers, and anyone who uses personal vehicles for work.

Who Needs Commercial Auto Insurance?

You likely need commercial auto if you:

• Transport tools or equipment

• Drive to job sites

• Make deliveries

• Operate work trucks or vans

• Haul trailers

• Carry clients or employees

• Run any vehicle primarily for business use

If it’s tied to your business, it should be insured as such.

Renado Robinson is President and CEO/Founder of Crosswinds Insurance Agency. With nearly three decades of insurance experience, he began his career in 1997 with The St. Paul Companies and later became a Managing Account Executive at Travelers before launching Crosswinds in 2015.

Renado specializes in helping families and business owners make informed insurance decisions through practical education and real-world underwriting insight. He is committed to clear guidance, long-term relationships, and proactive risk management — not just selling policies.

Get Commercial Auto Coverage Today

Crosswinds can shop multiple carriers to find the right coverage and price.

We also help with COIs, leased vehicle requirements, and trailer coverage.

📞 704-248-2657

🌐 crosswindsinsurance.com