Commercial / Auto

Michigan Commercial Auto Insurance

If your business owns vehicles — or employees drive for work — your personal auto policy won't cover a claim. Michigan commercial auto insurance covers your trucks, vans, and fleet, and handles the state's No-Fault rules the way a business needs.

What we do for commercial auto insurance clients

• The right vehicle classification — we rate your vehicles correctly by use and weight so you're covered without overpaying.
• Hired & non-owned auto — coverage for rented vehicles and for employees who run errands in their own cars — a gap most owners don't know they have.
• Michigan No-Fault done right — we set PIP and residual liability correctly for business-titled vehicles.
• Fleet and single-vehicle markets — whether you have one van or twenty trucks, we shop carriers that want your class of business.

Businesses we cover

Contractors and tradespeople, delivery and courier services, landscapers, food trucks, sales and service fleets, nonprofits with vehicles, and any Michigan business with vehicles titled to the company or used for work.

What commercial auto covers

• Liability — bodily injury and property damage you cause with a business vehicle.
• Michigan No-Fault / PIP — medical and wage benefits under Michigan's No-Fault system.
• Physical damage — collision and comprehensive for your own vehicles.
• Hired auto — vehicles you rent or borrow for business.
• Non-owned auto — employees' personal vehicles used for business errands.

Common questions

Do I need commercial auto insurance in Michigan?

If a vehicle is titled to your business, or employees drive for work beyond commuting, yes — a personal auto policy can deny a claim that happens during business use. Even if you drive your personal truck for the business, you may need commercial coverage.

Does my personal auto policy cover business use?

Usually not for true business use. Personal policies exclude or limit business activities like deliveries, hauling, or hired driving. Using a personal vehicle for work is one of the most common uncovered claims we see.

What is hired and non-owned auto coverage?

Hired auto covers vehicles your business rents or leases; non-owned covers employees using their own cars for business. Together they close a gap that catches many small businesses by surprise.

How is commercial auto rated in Michigan?

By vehicle type and weight, how it's used, radius of operation, driving records, and your No-Fault elections. We shop multiple carriers to match your fleet to the right market and price.