Commercial Auto Insurance

Commercial Auto Insurance Solutions from Mason & Carter, Inc.

Commercial Insurance

Commercial insurance is a type of coverage designed to protect businesses from potential financial losses resulting from unforeseen events such as property damage, liability claims, theft, or employee-related risks. It serves as a safety net that helps companies manage risks and recover more quickly from disruptions, allowing them to maintain operations and safeguard their assets, income, and reputation.

Businesses need commercial insurance because operating without it exposes them to significant financial threats that can arise from lawsuits, natural disasters, or accidents. Whether a company is large or small, having the right insurance coverage ensures compliance with legal requirements, builds trust with clients and partners, and provides peace of mind knowing that unexpected events won’t derail long-term goals.

Mason & Carter, Inc.

As a business owner, you need the same kinds of insurance coverages for vehicles used in your business as you do for personal travel — liability, collision and comprehensive, medical payments, and coverage for uninsured motorists.

If the vehicle is owned by the business, make sure the business name appears on the policy as the principal insured. Mason & Carter, Inc. in Baltimore, Maryland can help you get the right commercial auto coverage.

Row of white commercial vans in parking lot

Liability

Covered

Collision

Covered

Comprehensive

Covered

Medical Payments

Covered

Business vehicles need business-grade insurance.

The professionals at Mason & Carter, Inc. in Baltimore, Maryland will make sure your commercial vehicles are properly covered.

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Understanding Commercial Auto Insurance

Commercial auto insurance covers vehicles your business owns, leases, or uses for work. Personal auto policies usually exclude business use, so most companies that drive for work need a separate commercial policy.

Liability Coverage

Pays for injuries and property damage your business vehicles cause to others. Vehicles registered to a business must carry at least your state’s minimum liability limits.

Physical Damage Coverage

Collision and comprehensive coverage pay to repair or replace your business vehicles after an accident, theft, vandalism, or weather damage.

Hired and Non-Owned Auto Coverage

Extends liability protection to vehicles your business rents and to employees’ personal vehicles used for business errands.

Commercial Auto Insurance FAQ

What is commercial auto insurance?

It is coverage for vehicles used in your business, protecting against liability for accidents and against physical damage to the vehicles themselves.

Does my personal auto policy cover business use?

Usually not. Personal auto policies often limit or exclude business use, so a commercial auto policy is needed for vehicles used for work.

Is commercial auto insurance required?

Vehicles registered to a business must carry at least your state’s minimum liability coverage, the same limits required for personal vehicles.

What is hired and non-owned auto coverage?

It extends your liability coverage to vehicles your business rents and to employees’ own vehicles when they are driven for business purposes.

Why buy commercial auto insurance through an independent agent?

As an independent agency, Mason & Carter, Inc. represents many carriers, so we can compare coverage and price for your fleet and how it is used, with personal, local service.

Coverages Available