Business Auto Insurance
Don’t Let Your Assets Ride Unprotected.
Your personal auto policy doesn’t cover business use. If you or your employees drive on behalf of the business, you need commercial auto coverage — and we make it easy to get the right policy at the right price.
Book a Free AppointmentWhy It Matters
3 Reasons Your Business Needs Commercial Auto Coverage
When you or an employee drives on behalf of the business, everything you own is riding along. Here’s what’s at stake without the right coverage.
 Personal Policies Don’t Cover Business UseIf you use your personal vehicle for business and have an accident, your personal auto policy may deny the claim entirely. Business use is a common exclusion — leaving you fully exposed. |  Business Property Isn’t Covered EitherTransporting business tools, equipment, or property in a personal vehicle? If it’s stolen or damaged in an accident, it won’t be covered under your homeowners or personal auto policy. Business property is specifically excluded. |  Your Assets Are on the LineAn uninsured accident on a business trip can result in a lawsuit that puts your personal and business assets at risk. Commercial auto protects everything you’ve built — for a fraction of what an uninsured loss could cost. |
What’s Covered What Business Auto Insurance CoversCommercial auto policies can cover a wide range of vehicles and drivers — from a single truck to an entire fleet. We build the right program for your business size, vehicle mix, and budget.
| Vehicle Types We CoverCompany Cars & Light Trucks Cars, pickup trucks, and SUVs used for business deliveries, client visits, or employee commuting on behalf of the company. Commercial Trucks & Vans Box trucks, cargo vans, service vehicles, and specialty trucks used for hauling, delivery, or field service operations. Contractor & Work Vehicles Work trucks, flatbeds, and vehicles pulling trailers for contractors, landscapers, and tradespeople operating in Oregon and beyond. Hired & Non-Owned Vehicles Employees using personal vehicles for business errands? Hired and non-owned auto coverage fills the gap your personal policies leave behind. | ||||||||||
Complete Your Coverage
Round Out Your Business Insurance Program
Commercial auto is just one piece of a complete business insurance program. Ask us about these related coverages when you meet with your agent.
 General LiabilityCovers bodily injury and property damage claims arising from your business operations — on your premises or at a client’s location. Required by most contracts and project owners. Learn More → | Tools & EquipmentInland marine coverage for tools, equipment, and business property in transit or stored away from your shop. If it leaves the building, it needs its own coverage. Learn More → |  All Business ProgramsBancorp Insurance offers specialty programs for contractors, wildland firefighters, water districts, RV parks, restoration contractors, and more. See all commercial programs. View All Programs → |
Frequently Asked Questions
Business Auto Insurance Questions Answered
Common questions Oregon business owners ask about commercial auto coverage.
Does my personal auto policy cover my vehicle when used for business? +
Generally, no. Personal auto policies are designed for personal use and typically exclude coverage when a vehicle is used for business purposes. If you or an employee has an accident while driving on behalf of the business, a personal policy may deny the claim. A commercial auto policy is required to properly cover that exposure.
What is hired and non-owned auto coverage? +
Hired auto covers vehicles you rent or lease for business use. Non-owned auto covers employees using their personal vehicles on behalf of your business — running errands, making deliveries, or traveling to client sites. This coverage is critical for businesses without a company-owned fleet.
What types of vehicles can be covered under a commercial auto policy? +
Commercial auto policies can cover a wide range of vehicles including company cars, pickup trucks, SUVs, cargo vans, box trucks, flatbeds, service vehicles, and vehicles pulling trailers. Fleets with multiple vehicles and drivers can often be insured under a single commercial auto program.
Is business auto insurance required by law? +
Yes. Any vehicle used for business purposes must carry at least the state minimum liability coverage. Oregon requires $25,000/$50,000/$20,000 in liability limits as a minimum for all vehicles. However, minimum limits are rarely adequate — especially for businesses where an accident could trigger a large lawsuit.
Can I bundle business auto with my other commercial coverage? +
Yes. Many carriers allow you to bundle commercial auto with general liability, property, inland marine, and other business coverages under a Business Owner’s Policy (BOP) or commercial package. Bundling often results in better pricing and simplified renewals. Ask your Bancorp agent about packaging options.
How do I file a business auto claim? +
Contact your carrier directly or call Bancorp Insurance at 1-800-452-6826 and we’ll advocate on your behalf. Common carrier claim lines: Safeco 800-332-3226 · Progressive 800-274-4499 · Travelers 800-252-4633.
What Our Clients Say
Real Reviews from Real Clients
Don’t just take our word for it. See what Oregon business owners say about working with Bancorp Insurance.
