Commercial Auto

Protect the vehicles that move your business.

From a single contractor van to a multi-vehicle fleet, Lux structures commercial auto coverage that fits your operation — not a generic template.

Get a Quote (413) 327-6256

Why commercial auto?

Personal auto policies do not cover business use. Commercial auto insurance is a must-have for any business that owns or operates vehicles — including taxi services and other for-hire livery businesses. Only with the right coverage will you get proper assistance after wrecks, lawsuits, or other vehicle hazards.

Every policy looks different depending on the size, scope, and operating risks of the policyholder. Lux works with carriers that understand the difference between a landscaper's pickup, a plumber's service van, and a 26-foot box truck — and prices each accordingly.

What's typically included

Most commercial auto policies combine these coverages, tailored to your operation:

Liability — bodily injury and property damage you cause others
Collision — repairs after a wreck or collision with a structure
Comprehensive — theft, weather, fire, vandalism (separate from collision)
Uninsured/underinsured motorist (UM/UIM)
Hired & non-owned auto
Medical payments
Rental reimbursement
Roadside assistance
Towing and labor
Loss of use

Endorsements & supplementary coverage

Beyond the standard policy, we add endorsements where your operation needs them — closing gaps that a one-size-fits-all policy would leave open:

Drive-other-car (DOC)
Waiver of subrogation
Additional insured & primary/non-contributory
Mobile equipment & tools
Lease-gap coverage
Trailer interchange
Cargo (motor truck cargo or inland marine)
Pollution liability for haulers

Who we cover

If your vehicles do business, we have a market for you:

Contractors and trades (electrical, plumbing, HVAC, roofing)
Delivery and service companies
Landscapers and lawn care
Real estate firms
For-hire livery (taxi, limo, black car)
Mobile service businesses
Multi-vehicle fleets
Single vehicle, business-use
Tow trucks and recovery
Caterers and food trucks

How a quote comes together

To shop the market accurately, here's what we'll ask for. Most of it you can pull together in 10 minutes:

Years in business and prior insurance
Vehicle list (year, make, model, VIN, value)
Radius of operation (local, intermediate, long-haul)
Driver list with MVRs
Use of vehicle (service, delivery, transport)
Annual mileage estimate
Loss runs from current carrier (if any)
Desired liability limits

Commercial auto FAQ

Can I just add my work van to my personal auto policy?+

Almost never. Personal policies exclude business use. If your van is titled to the business, used to transport goods or paid passengers, or marked with signage, you need a commercial policy.

Do I need hired & non-owned auto coverage?+

If employees ever drive their own vehicles (or a rented one) for business — running errands, picking up supplies, traveling between sites — yes. It protects your business when their personal coverage isn't enough.

What liability limits should I carry?+

Most contracts and leases require at least $1M combined single limit. For high-exposure operations or fleets, we typically recommend stacking commercial umbrella on top.

How fast can I get a certificate of insurance?+

Same day, in most cases. Send us the certificate-holder details and we'll have it issued within hours.

Ready for a tailored quote?

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