Auto Insurance for Your Business | Shelter Insurance®

Auto Insurance that Works for You and Your Business


When we think about auto insurance, we usually think about our personal cars, trucks, and motorcycles.

However, many of us use vehicles for our business. If that's the case, you might need an increased level of protection.

The good news is that we offer several business insurance options. Here are some common questions business owners ask us about business auto insurance.

What Coverage Do I Have to Carry?
You are required to carry bodily injury liability and property damage liability. In some states you may be required to carry medical payments, uninsured motorist and underinsured motorist coverage. If your vehicle is financed, your lender may also require you to have collision and comprehensive coverage.

What if I Need More Specialized Coverage?
Depending on the types of vehicles you’re covering, as well as how they’re being used, we offer several specialized coverage options designed to meet your unique needs. 

Won’t My Personal Auto Insurance Policy Cover Me?
Probably not. Most personal auto policies don’t cover vehicles used for business use. If the vehicle is used in your business, or if you use your vehicle to haul for hire, you probably need the protection of a business use policy. 

Drive a bigger rig? We also offer a commercial auto policy for larger trucks and vans as well as farm vehicles.  Ask your local Shelter agent for more details.