By the General Liability Guide Editorial Team. Our guides are verified against actual insurance carrier rate sheets and state industrial commissions.
Whether you have a single delivery van or a fleet of service trucks, your personal auto insurance will NOT cover accidents that happen while you or your employees are working.
Average Costs per Vehicle
- Passenger Cars/SUVs: $1,200 - $2,400/year
- Work Vans/Pickup Trucks: $1,500 - $3,500/year
- Heavy Box Trucks: $3,000 - $6,000/year
Hired and Non-Owned Auto (HNOA)
If your employees use their own cars to run business errands, you need HNOA coverage. It is incredibly cheap (often $100/year) but protects your business if they cause a major accident while on the clock.
Frequently Asked Questions
Commuting is usually covered by personal insurance. However, once you use the vehicle for deliveries or carrying equipment between job sites, you need a commercial policy.
About This Guide
This guide was researched and written by the General Liability Guide editorial team to help business owners navigate the complexities of commercial insurance. We use data from industry leaders and regulatory filings to provide the most accurate estimates possible.