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Commercial Auto Insurance

From a single company car to an entire fleet of trucks, our licensed agents help create the right commercial auto insurance package to meet your needs on the highway and fit your strategy and budget at work.

We’re Your Map to Commercial Auto Coverage

Commercial auto is a critical component of your insurance strategy, particularly for contractors and delivery services. Let our licensed agents research and compare policies from a wide range of carriers, and help you choose the right coverage for your business.

Business insurance column

Why Paychex?

Licensed Insurance Agents

Our insurance agents are licensed and prepared to help guide you through the selection of insurance coverage to meet the needs of your business and your employees.

Competitive Business Insurance Rates

At Paychex Insurance Agency, we partner with top-tier insurance carriers across the country to help offer you some of the best, most affordable coverage available in your area.

Coverage that Complies with your State Laws

Our team of compliance experts monitor changes in federal, state, and local laws and regulations. So, our licensed agents can help ensure you implement any mandatory insurance policies.

Commercial Auto Liability and Collision Coverage

Commercial auto policies through Paychex Insurance Agency covers repair to your business vehicles when they become damaged through contact with another object.

Personal Injury Protection (PIP)

If you or an employee is involved in an accident while in a commercial vehicle, PIP available in certain states can help cover costs related to injuries, regardless of who is at fault.

Uninsured/Under-Insured Motorist Coverage

Commercial auto insurance offered by our carrier partners covers an accident caused by a driver with no insurance or not enough insurance to cover damages to you or your property.

Coverage for Company Cars, Fleets, and all Types of Commercial Trucks

Additional coverage is available for injuries or property damage due to other types of business-related vehicles, such as commercial tractors, pickup trucks, and other types of commercial trucks.

A Comprehensive Plan that Works Today and Anticipates Future Needs

As your needs change over time, Paychex Insurance Agency will continue to help you select and manage insurance policies that help protect your business and your employees.

One Place for All Your Insurance Solutions

As a top 25 insurance agency*, we’re your single stop for property and casualty, health and benefits, and benefits administration. Find out more about what Paychex Insurance Agency can offer you, your business, and your employees.

Commercial Auto Insurance FAQ

  • What is commercial auto insurance?

    What is commercial auto insurance?

    Commercial auto insurance policies provide liability coverage and physical damage for situations, and vehicle uses not covered by a personal auto insurance policy—for automobiles used for business purposes along with a wide variety of trucks and commercial vehicles.

  • What is the difference between commercial and personal auto insurance?

    What is the difference between commercial and personal auto insurance?

    Personal auto insurance policies normally exclude any business use (with the exception of a commute to work). A personal policy will not provide coverage if you or your employees have an accident while driving for work.

  • Does commercial auto insurance cover personal use?

    Does commercial auto insurance cover personal use?

    Normally, a commercial auto insurance policy does not cover personal use of a vehicle. To drive a work vehicle for personal reasons, a personal policy for that vehicle would be required, or specific language needs to be added to the commercial policy to cover personal use.

  • Who is insured under a commercial auto policy?

    Who is insured under a commercial auto policy?

    Commercial auto policies can cover employees, family members, as well as other drivers.

  • Do I need commercial auto insurance?

    Do I need commercial auto insurance?

    Certain business vehicle uses as well as vehicle types may not be included in personal auto insurance policies, simply because personal policies were not meant for business. Businesses often need the more extensive or unique coverages provided by a commercial auto insurance policy.

Business Insurance to Meet Your Needs 

Paychex Insurance Agency offers a wide range of business insurance policies to help protect your business and employees from costly claims and losses.

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* Not available in all states

Insurance sold and serviced by Paychex Insurance Agency, Inc., 150 Sawgrass Drive, Rochester, NY 14620. CA License 0C28207.