Commercial Auto Insurance for Indianapolis Businesses
Protect your fleet, your drivers, and your business. Compare rates from top commercial carriers.
We Insure All Commercial Vehicles
From single vehicles to large fleets
Delivery Vans
Box trucks, cargo vans, sprinter vans
Service Vehicles
Plumbers, electricians, HVAC techs
Company Cars
Sales reps, executives, employees
Trucks & Trailers
Flatbeds, dump trucks, semi-trailers
Specialty Vehicles
Food trucks, tow trucks, buses
Fleet Vehicles
5+ vehicles with fleet discounts
Coverage Options
Customize your commercial auto policy
Liability Coverage
REQUIREDCovers bodily injury and property damage you cause to others
Physical Damage
Repairs or replaces your vehicles if damaged in a collision
Uninsured Motorist
Protects you when the at-fault driver has no insurance
Medical Payments
Covers medical costs for you and your passengers
Cargo Coverage
Protects goods and materials you transport
Hired & Non-Owned
Covers employees using personal or rented vehicles for work
Frequently Asked Questions
Common questions about commercial auto insurance
What's the difference between commercial and personal auto insurance?
Commercial auto insurance covers vehicles used for business purposes with higher liability limits, coverage for employees as drivers, and protection for business-related cargo. Personal auto policies exclude business use.
How much does commercial auto insurance cost in Indianapolis?
Commercial auto insurance in Indianapolis typically costs $1,200-3,500 per vehicle annually, depending on vehicle type, driver records, coverage limits, and industry. Fleet discounts can reduce costs by 10-20%.
Do I need commercial auto if I use my personal car for work?
If you regularly use your personal vehicle for business (beyond commuting), you likely need either commercial auto insurance or a business use endorsement on your personal policy. Rideshare drivers need special coverage.
What happens if an employee gets in an accident in a company vehicle?
Your commercial auto policy covers accidents caused by employees driving company vehicles during business use. The policy pays for damages and legal defense, protecting your business from lawsuits.
Can I bundle commercial auto with other business insurance?
Yes! Bundling commercial auto with your BOP (Business Owner's Policy) or general liability often results in 10-15% savings. Aurex will help you find the best package for your business.