Commercial Auto Insurance
Protect your business vehicles and fleet on Central Oregon's highways and rural roads.
Commercial auto insurance protects your business vehicles and fleet against accidents, theft, and liability claims. Central Oregon's mix of urban streets, rural highways, and remote forest roads creates unique risks for business vehicles. Prineville Insurance shops 50+ carriers to find the right commercial auto coverage for your fleet.
Personal auto policies don't cover business use. If your employees drive for work — even occasionally — you need commercial auto coverage. Call (541) 447-6372 for a free quote.
Commercial Auto Coverage Options
Commercial Auto Liability
Covers bodily injury and property damage your vehicles cause to others — required by Oregon law for commercial vehicles.
Physical Damage — Collision
Covers damage to your commercial vehicles from collisions with other vehicles or objects, regardless of fault.
Physical Damage — Comprehensive
Covers non-collision damage including theft, fire, hail, vandalism, and wildlife strikes — important on Central Oregon's rural highways.
Uninsured/Underinsured Motorist
Protects your business if your vehicle is hit by an uninsured or underinsured driver — Oregon has a significant uninsured driver problem.
Medical Payments
Covers medical expenses for your drivers and passengers injured in an accident, regardless of fault.
Hired & Non-Owned Auto
Covers vehicles your employees use for business purposes that your business doesn't own — including personal vehicles and rentals.
Vehicle Types We Cover
- Pickup trucks and vans
- Box trucks and delivery vehicles
- Flatbed and dump trucks
- Service vehicles and utility trucks
- Company cars and SUVs
- Trailers and equipment haulers
- Farm vehicles used for business
- Contractor fleets
Frequently Asked Questions
When do I need commercial auto insurance instead of personal auto?
You need commercial auto insurance when vehicles are used primarily for business purposes — including hauling equipment, making deliveries, transporting clients, or driving between job sites. Personal auto policies typically exclude business use, leaving you unprotected for work-related accidents.
How much does commercial auto insurance cost in Oregon?
Commercial auto insurance in Oregon typically costs $1,200–$3,500 per vehicle per year, depending on vehicle type, use, driver history, and coverage limits. Fleets may qualify for volume discounts. Prineville Insurance shops multiple carriers to find competitive rates for Central Oregon businesses.
Does my personal auto policy cover my employees driving my business vehicles?
No. Personal auto policies exclude business use and typically don't cover employees driving your vehicles. You need a commercial auto policy that lists all drivers and vehicles used for business purposes.
What is hired and non-owned auto coverage?
Hired and non-owned auto (HNOA) coverage protects your business when employees use their personal vehicles or rental cars for business purposes. It covers the gap between the employee's personal auto policy and your business's liability exposure. It's essential for any business where employees drive for work.
