Trucks, vans, and anything your team drives for work
Commercial Auto Insurance in Ohio & West Virginia
A personal auto policy excludes most business use. The moment a vehicle hauls tools, makes deliveries, or carries employees, a commercial auto policy is what keeps a claim from being denied. We shop the full market so your rate reflects your actual radius, cargo, and driving records.
Who this is for
- Contractors and trades with a truck, trailer, or van
- Delivery, courier, and last-mile operations
- Landscaping, cleaning, and home-service crews
- Any business whose employees drive their own cars on company errands
What Commercial Auto Insurance covers
Coverage points below are typical. Actual terms depend on the carrier and the policy form we place.
Bodily injury & property damage liability
Pays for injuries and damage your driver causes to others, plus the legal defense that follows.
Collision
Repairs or replaces your vehicle after an at-fault crash or single-vehicle accident.
Comprehensive (other than collision)
Theft, vandalism, hail, fire, flood, and animal strikes, common on rural Ohio and West Virginia routes.
Uninsured / underinsured motorist
Covers your driver's injuries when the at-fault party carries little or no insurance.
Medical payments
Immediate medical costs for your driver and passengers regardless of fault.
Hired & non-owned auto (HNOA)
Extends liability to rented vehicles and to employees running errands in personal cars.
Trailer & equipment coverage
Schedules attached trailers and permanently mounted equipment such as lift gates or plows.
Roadside assistance and rental reimbursement
Keeps a job moving while a vehicle is being repaired.
What it does not cover
- Tools and materials inside the vehicle, that is inland marine / contractors equipment
- Wear, tear, and mechanical breakdown
- Intentional acts or driving under the influence
- Cargo you haul for hire, unless motor truck cargo coverage is added
Typical limits & requirements
- $1,000,000 combined single limit
- The standard most contracts, municipalities, and general contractors require.
- $500, $1,000 deductibles
- Typical on collision and comprehensive; raising them lowers premium.
- Filings (MCS-90, BMC-91, state filings)
- Available when a DOT or PUCO authority requires proof of financial responsibility.
What drives your price
- Driver MVRs, violations and at-fault accidents move the rate most
- Radius of operation (local, intermediate, or long haul)
- Vehicle weight class, value, and safety features
- Garaging ZIP and where the vehicles actually run
- Claims history and years in business
- Telematics or dashcam programs, which many carriers credit
Ohio & West Virginia notes
Ohio and West Virginia crews run a lot of two-lane and mountain miles, and deer strikes are a top comprehensive claim in both states. Winter road treatment also drives up glass and undercarriage claims, worth pricing a lower comprehensive deductible than you might elsewhere.
Common questions
Does my personal auto policy cover work driving?
Usually not. Most personal policies exclude business use beyond ordinary commuting, so a claim during a delivery or a job-site run can be denied. Commercial auto removes that gap.
Do I need commercial auto for one truck?
Yes, if the truck is titled to the business or used primarily for work. Single-vehicle commercial policies are common and often cost less than owners expect.
What is hired and non-owned auto?
It extends your liability to vehicles you rent and to employees driving their own cars for company tasks. If any employee ever runs an errand for you, you want it.
How fast can I get a certificate of insurance?
Once we bind coverage, certificates typically go out the same business day, often within an hour for a general contractor's deadline.
Do you write DOT-authority trucking?
We write local and regional operations and can arrange required filings. Long-haul risks are placed with specialty carriers case by case.
Guides worth reading first
Business owner guides covering commercial auto insurance and the rest of your Ohio or West Virginia insurance program.
- Business · 9 min readCommercial Auto Insurance Requirements for Ohio BusinessesIf your team drives for work, a personal auto policy may not respond at all. Here are Ohio's commercial auto rules and the limits contracts actually demand.Read the guide
- Business · 10 min readSelf-Employed Insurance: What You Actually Need to CoverNo employer benefits desk means you build your own stack. Ranger walks through health, liability, auto, disability, and life coverage for the self-employed.Read the guide
- Business · 8 min readSurety Bond vs. Business Insurance: What's the Difference?A bond and a liability policy can both sit in your business's paperwork, but they protect completely different people. Here's the difference, in plain terms.Read the guide
Ready now? Start your comparison quote or take the two-minute coverage quiz.