If you use vehicles for business purposes in Ohio — whether it's one work truck or a full fleet — a personal auto policy typically won't provide coverage for business use. Commercial auto insurance is designed specifically for vehicles used in the course of business operations.
Lambert Insurance Group has been working with Ohio businesses on commercial auto coverage since 1953. We serve clients across Westlake, Mayfield, and all of Northeast Ohio.
When Do You Need a Commercial Auto Policy in Ohio?
You may need a commercial auto policy if you use a vehicle to transport goods or equipment, drive to multiple job sites, carry passengers for a fee, have employees who drive for your business, or own vehicles titled in a business name. Coverage needs vary — speak with a licensed agent about your specific situation.
What Does Commercial Auto Insurance Typically Cover?
- Liability coverage — third-party bodily injury and property damage caused by your business vehicle
- Physical damage — collision and comprehensive coverage for your vehicle
- Uninsured/underinsured motorist coverage — protection if you're hit by a driver without adequate insurance
- Medical payments — covers medical expenses for you and passengers after an accident
Commercial auto policies can also be tailored for specific uses — contractor vehicles, delivery vehicles, service vehicles, and others. Coverage terms vary by policy.
What Factors Affect Commercial Auto Premiums in Ohio?
The type of vehicles, their primary use, driver history, radius of operation, the industry you're in, and your claims history all play a role in how commercial auto policies are priced. Premiums vary significantly by situation.
Who We Serve
We work with Ohio businesses across Westlake, Mayfield, North Olmsted, Strongsville, Medina, Lorain County, and all of Northeast Ohio. Call or text us at 440-897-7525.
Ready to Explore Your Options?
As an independent agency, we shop multiple carriers on your behalf. Call or text us and we'll get back to you promptly.