Commercial Auto Insurance Idaho

Our approach

If your business owns vehicles, leases them, or has employees running errands in their personal cars, you have commercial auto exposure that a personal policy won't cover. An employee causes an accident on the way to a client meeting. A delivery van rear-ends someone on Eagle Road. A rental car gets totaled on a business trip. These are all claims your personal auto policy will deny.

We build commercial auto programs for businesses of every size in Idaho. Single-vehicle contractors, multi-truck service companies, regional fleets. We match your liability limits to your contract requirements, make sure hired and non-owned auto exposure is covered (this is the one most businesses miss), and help you manage driver risk with MVR monitoring and safety programs that actually lower your premiums over time.

coverage

Business auto liability

Covers injuries and property damage when your company vehicles are in an accident. Protects your business from lawsuits and judgments. Limits should match your contracts and your asset exposure, not just state minimums.

Hired and non-owned auto

Covers rental cars your employees drive on business trips and personal cars employees use for work errands. This is the coverage most businesses don't know they need until a claim hits their doorstep. It's cheap and critical.

Comprehensive and collision

Physical damage protection for your fleet. Theft, vandalism, weather, accidents, animal strikes. We set deductibles based on your cash flow tolerance, not just what drops the premium the most.

Uninsured / underinsured motorist

Protects your drivers when the at-fault party has no insurance or not enough. Your employees deserve protection on the road regardless of who hit them.

Motor truck cargo

Covers goods and materials being transported in your vehicles. If your business delivers products, moves customer property, or hauls materials to job sites, this coverage protects what's in the truck.

DOT and motor carrier compliance

MCS-90 filings, BMC-91 certificates, and state requirements for businesses operating under DOT authority. If you need DOT insurance, we know the filings and handle them.

Review my liability limits

We assess every vehicle and driver

Owned trucks, leased vehicles, employee personal cars used for work. We identify every exposure, including the ones most businesses miss.

We structure the right coverage

Liability matched to your contracts, hired and non-owned included, physical damage valued correctly.

We help manage driver risk

MVR monitoring, safety programs, telematics options. Better drivers mean fewer claims and lower premiums.

Your fleet is a rolling liability. We treat it that way.

Personal auto won't cover business use. One uncovered accident can generate a claim that threatens the whole operation. We build commercial auto around every vehicle, every driver, and every contract requirement.

Get a commercial auto quote

Common questions