Commercial Auto

For many small business owners, figuring out what coverage you need for the autos you own and operate is a challenge; after all, you are trying to run a business.

Did you know? Nearly six million traffic accidents occur every year, or more than 16,000 per day. With accidents occurring so frequently, make sure you have auto insurance from a company that will be there for you during a claim.

Big Protection for Your Small Business Autos

Whether you use your own car or a fleet of pickups or box trucks to get the job done, we can give you the protection you need - including liability, personal injury/medical coverage, comprehensive, collision coverages, and much more to help you keep your business moving forward.

Do your employees use their own autos to perform deliveries, sales visits, picking up supplies, and other errands for your business? If so, you could be held liable for any accidents they cause. State Farm® has the coverage to meet your needs.

• Coverage Examples for Your Business Autos

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  • Bodily Injury Liability Coverage - Pays damages due to bodily injury to others for which you are responsible. If you are sued, it also pays your defense and court costs
  • Property Damage Liability Coverage - Pays damages due to property damage to others for which you are responsible. If you are sued, it also pays your defense and court costs
  • Personal Injury/Medical Payments coverage - Usually pays medical and funeral expenses for bodily injury to a covered person sustained in an accident in your auto
  • Collision coverage - Pays for a covered auto that is damaged by collision with another object or by upset
  • Comprehensive coverage - Pays for a covered auto that is stolen or damaged by causes other than collision or upset
  • Uninsured/Underinsured Motorist coverage - Coverage pays for injuries, and in some circumstances property damage, when you are involved in an accident with another person who is uninsured or their available limits are less than the limits you chose to carry for this coverage. You'd be surprised at how many people only carry minimum limits. Would you like to have the same coverage for yourself that you are providing the other person?
  • What amount of a covered loss are you willing to pay? The deductible is the portion of a covered loss that is your responsibility. For example, if you had a $500 deductible, you would need to pay $500 of the covered loss
  • How high should my liability coverage limits be? No one can predict exactly how much you would have to pay if you were to cause an accident. Ask yourself how you would pay for any damages exceeding your coverage limits. The higher your limits are, the more likely your policy will be able to pay all of the damages

State Farm Employer Non-Owned Car Liability Coverage (ENOL) Basic Facts

An ENOL policy protects your business, so your revenues wouldn't be siphoned off by legal judgments. If your employees even occasionally use their own cars for your business, don't be driven to financial loss. Protect your business with Employers Non-Owned Car Liability Coverage.

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  • Protects you when employees drive their own autos for business purposes
  • Coverage is affordable
  • Your coverage is backed by the financial strength of State Farm, a company you trust

Learn More About How to Cover the Autos You Use in Your Business

Your State Farm agent will sit down with you and help you determine what deductible amounts and coverage limits best cover the vehicles you use in your business. Even when it comes to Business Autos, State Farm has you covered!*

It's not just commercial auto insurance needs. You may need property and liability, and commercial umbrella.