Gallagher Commercial Auto Insurance

Gallagher Small Business arranges commercial auto coverage with partner carriers rather than underwriting the policy itself. ¹Company-reportedGallagher Small Business's direct-to-small-business commercial auto product page.

The commercial auto product page does not name the insurer that would issue a given business's policy. ¹Not publicly disclosedChecked the commercial auto product page on 2026-09-23.

Gallagher recommends this coverage for businesses that use vehicles for business purposes, including owned, hired and non-owned autos, rented or leased vehicles, and employees who drive their own cars for work. ¹Company-reportedProduct page "Recommended for businesses that" list; actual acceptance depends on underwriting.

Gallagher describes commercial auto as covering bodily injury and property damage to third parties, accidents caused by uninsured or underinsured drivers, physical damage to owned, rented, hired or employee vehicles, and medical costs for the business owner, employees and passengers, plus theft and damage. ¹Company-reportedProduct page coverage list; the issued policy and its exclusions control.

Gallagher's small-business team says the commercial auto market remains challenging because of social inflation and the long-tail nature of auto liability claims, and that rising repair costs from added vehicle electronics and safety features, plus supply-chain delays, are increasing claim costs. ¹Company-reportedProduct page market-commentary section; a general market view, not a quote for any specific business.

Gallagher illustrates the coverage gap when a personal vehicle is used for business: it describes a bakery owner whose personal auto insurer refused to pay a delivery-related accident claim because she lacked commercial auto insurance. ¹Company-reportedProduct page hypothetical claim scenario; illustrative example, not a report of an actual claim outcome.

The commercial auto product page does not publish liability limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ¹Not publicly disclosedChecked the commercial auto product page on 2026-09-23.

Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a commercial auto quote. ¹Company-reportedProduct page "Get Covered Now" section.