|
Commercial Auto Insurance for Cincinnati Business Vehicles
|
Keep your company vehicles covered and your team on the road
|
The Coverage Your Business Needs on the Road
From delivery vans in Forest Park to contractor trucks in Finneytown, commercial auto insurance protects your business vehicles from everyday risks—accidents, theft, weather damage, and more. Moore Insurance works with Cincinnati-area businesses of all sizes to find commercial vehicle coverage that fits how you operate and where you drive.
Whether your vehicle is owned, leased, or borrowed, we’ll help you understand what’s covered—and what’s not—before a claim ever happens.
What’s Covered Under a Commercial Auto Policy
This policy covers liability (for injuries and property damage you cause in an accident), collision (for repairs to your vehicle), comprehensive (for theft, vandalism, or weather damage), and uninsured motorist protection.
If your delivery driver is rear-ended on I-75 or your technician backs into a parked car in Groesbeck, your commercial auto policy can handle the financial burden so your business keeps moving.
We also help with specialized coverages like non-owned auto liability, hired auto, and drive-other-car endorsements for executives and business owners.
02
Cover Your Crew
Workers’ comp insurance helps you support injured employees after an accident on the road.
01
Liability at the Core
Add general liability insurance to protect against third-party injury and property claims.
03
Bundle Your Coverage
A Business Owners Policy keeps your vehicle, liability, and property insurance all in one place.
im here to listen
Local Service With Fast Response
Need a certificate of insurance for a contract? A same-day policy for a new truck? A claims advocate when something goes wrong? We’re here—just a call or email away.
Do I need commercial auto insurance if I use my personal car for work?
Yes. Personal auto policies usually exclude coverage for business use. If you drive for deliveries, transport tools, or visit client sites—even just occasionally—a commercial auto policy ensures you're covered. Moore Insurance can tailor protection for individuals and fleets alike.
What types of vehicles can be covered under a commercial policy?
Coverage can apply to vans, pickup trucks, work trucks, utility vehicles, box trucks, and even passenger cars. Whether you’re operating a single cleaning van in North College Hill or managing a small fleet in Groesbeck, Moore Insurance matches your needs to the right policy and carrier.
What’s the difference between commercial auto and hired/non-owned auto insurance?
Commercial auto covers vehicles your business owns or leases. Hired and non-owned auto covers employees' personal vehicles or rented vehicles used for work purposes. If your employee uses their own car for deliveries in White Oak, this extra coverage fills in critical gaps.
Are drivers automatically covered under the business auto policy?
Not always. Your policy must specifically name or cover employees who regularly drive. We recommend keeping a list of approved drivers and updating your policy regularly. Moore Insurance can help you maintain compliance and avoid rejected claims.
How much commercial auto coverage do I need in Ohio?
At minimum, you’ll need to meet Ohio’s legal requirements—but we recommend higher limits. Liability claims from accidents can easily exceed $100,000 or more. We help you assess your risks and choose coverage limits that protect your business assets long term.