Commercial Auto Insurance

Quality coverage from HVCU Insurance Services, powered by InsureOne®, for vehicles used for business purposes including passenger cars, trucks, work vans, box trucks, utility trucks, food trucks, and more.

Custom Solutions for Your Business

Spend more time on your business, and less worrying about your commercial vehicle coverage. Agents can aid in determining your insurance needs based on the financing or leasing requirements for your car.  

If you or your employees use company vehicles for business use, you need a commercial auto policy. This is common for electricians, carpenters, HVAC professionals, landscapers, and other types of businesses. This can also extend to cars that are borrowed or rented for business purposes. 

Please note: Commercial auto policies do not cover rideshare vehicles.

What’s Included in Commercial Auto Insurance?

  • Vehicle damage
  • Injury to the driver
  • Damage to another vehicle
  • Injury to other drivers

Get on the Road with Reliable Car Insurance for Your Business Vehicles

Carefully Designed Car Insurance for Your Business

HVCU Insurance Services, powered by InsureOne®, can help with a variety of coverage options for you, your employees, and your business. A licensed agent can walk you through the coverage options that will protect you, your passengers, and your vehicle.


If you happen to cause an auto accident, liability insurance helps pay for any damages or expenses the other driver or property owner may incur.


Coverage to replace or repair damage to your car in the event it is stolen or damaged in an incident that is not a collision. This includes damage caused by a fire, vandalism, or falling objects – like a tree or hail.

Roadside Assistance

Automobiles are big pieces of machinery, and the unexpected can happen at any time. Don’t get left on the side of the road, roadside assistance can help get you to your destination safely.


Coverage to repair or replace your automotive in the event that it hits something or is damaged in an accident.

Personal Injury Protection

Covers medical expenses and lost wages in the event of a vehicular accident, regardless of fault. 

Rental Reimbursement

An accident can be a huge ordeal if there is serious damage to your vehicle. Rental reimbursement can cover the cost of a temporary replacement vehicle and keep you on the road.

Personalize Coverage for Your Business Vehicle from Top Insurance Providers in the Area

Protect Your Business from Liability

You’ve put a lot of effort into ensuring your business is successful. Relying on a personal auto policy can expose your business to risk and financial burdens. Shield your business from the hardships that come from accidents when you carry commercial vehicle coverage.

What Do You Need to Get a Car Insurance Quote?

  • Your business address
  • Information on all drivers in the business
  • Details of your vehicle(s) including make, model, and year
  • Vehicle Identification Number(s) (VIN)
  • The number of miles driven annually

What Might Affect Your Rate?

  • The location of your business operations and the area you’re servicing
  • Any infractions on your driving record
  • The number of miles driven in the vehicle each day
  • How costly repairs are for the automobile
  • Safety features installed in the vehicle

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Important Legal Disclosures & Information

Insurance products offered through InsureOne Insurance Services America, LLC and its affiliated companies identified on Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected, and other underwriting factors. Other rates, service fees, restrictions, and charges may apply.