Spot for Commercial Auto Insurance
We put every van, truck and driver into one application, then compare your commercial auto quotes with you before you buy.
Your Spot team collects each vehicle’s identification details, who owns and drives it, how it’s used, any modifications and safety features, driver histories and your current coverage, then turns it into a submission.
After your broker takes the submission to market, we lay out liability, collision and comprehensive, deductibles and how a total loss would be valued, vehicle by vehicle, before you bind.
Commercial auto insurance
Vehicles · Drivers · Liability limits
Juniper Electrical
When a customer contract asks for auto liability, send it over. Spot checks the requirement against your policy and, if you need a higher limit, asks whether the umbrella quote lists your auto policy as underlying insurance.
Commercial auto insurance
Juniper Electrical · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
When a customer or property manager wants a certificate showing your auto coverage, ask in your shared Slack channel. Your Spot team checks the limits they name and gets the certificate ready.
SamJuniper Electrical
Certificate of insurance
Juniper Electrical
Ready for your review
Share what you do, where you work, the policies you have and any contracts that ask for insurance.
Spot turns it into an application that describes your business the way insurers need to see it.
Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.
We put the quotes side by side on limits, exclusions and terms as well as price.
You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.
The van carries your crew and tools to every job, and one accident can bring a claim from the other driver and a repair bill for your own vehicle.
Staff take company cars to sales calls and sometimes home at night, so you need to know which drivers and trips the policy includes.
A policy on vehicles you own doesn’t answer every work trip in a personal or rented car, so hired and non-owned auto liability belongs in the same conversation.
An auto policy can exclude or restrict property carried in the vehicle, so the goods need their own question.
Tell your personal insurer how you use the car for work, because that policy may not protect the business for those trips.
What each industry usually faces, and where Spot fits in.
Your team drives company or hired vehicles to farms or carries equipment between sites.
Your team owns, leases, borrows, or uses vehicles for testing, demonstrations, deliveries, or field service.
Employees drive company, hired, or non-owned vehicles to deliver test units or perform contract-site integration and support.
Your organization owns, leases, or rents vehicles, or staff drive for school, campus, event, student, or customer activities.
Your contract work uses owned, leased, rented, or employee vehicles, or the solicitation includes an auto-liability clause or schedule requirement.
Staff drive between care locations, make home visits, transport equipment, or use vehicles for business.
The company owns, leases, or regularly uses vehicles for deliveries or in-home service.
The company owns vehicles or employees drive for delivery, pickup or facility operations.
Your business owns, leases, arranges, or relies on vehicles for passenger trips or deliveries.
Your company owns or arranges vehicles to carry customers or staff.
Get quotes from 30+ commercial auto insurance providers with Spot.
A new van or truck has to be on the policy under the right parts of it. Add it with its details before it starts work.
Deliveries, errands or client visits in a personal car raise a liability question your owned-vehicle policy may not answer. Look at hired and non-owned auto liability alongside it.
Ask whether the quote includes personal use of company vehicles and every driver who makes those trips.
Vehicles and drivers have come and gone since last year. Send an updated list and compare deductibles and valuation terms rather than renewing as offered.
If you plan to meet it with an umbrella, ask whether the umbrella quote lists your auto policy as underlying insurance before you sign the contract.
Also known as business auto insurance, commercial vehicle insurance, business car insurance, commercial car insurance, fleet insurance, company car insurance and work van insurance.
Get quotes from 30+ commercial auto insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.
Get StartedRead these before you choose a policy or an insurer.
