Indiana Commercial Auto Insurance

Coverage Overview

What's Typically Covered

• Commercial Auto Liability — bodily injury and property damage
• Physical Damage — collision and comprehensive for business vehicles
• Uninsured/Underinsured Motorist Coverage
• Medical Payments for vehicle occupants
• Hired Auto — coverage for rented or borrowed vehicles
• Non-Owned Auto — coverage for employees using personal vehicles for business
• Fleet programs for 5+ vehicles
• Cargo and equipment in transit

Indiana Commercial Auto Insurance

Indiana businesses that use vehicles for work — from a single service van to a full commercial fleet — need commercial auto insurance. Personal auto policies exclude business use, meaning an accident that occurs while driving for work purposes would not be covered under a personal policy.

Business Insurance Brokers LLC is licensed in Indiana and compares multiple admitted commercial auto carriers including a top-rated admitted carrier, top-rated admitted carriers, a top-rated admitted carrier, and others to find the most competitive rate for your Indiana fleet.

Indiana-Specific Commercial Auto Considerations

Indiana is a major logistics and distribution hub — the state's interstate highway system (I-65, I-70, I-69, I-74, I-90) carries enormous commercial vehicle traffic. Indiana businesses with delivery, service, or transportation operations need properly structured commercial auto policies that meet both state minimum requirements and the higher limits typically required by commercial contracts.

Indiana requires a minimum of $25,000/$50,000/$25,000 in commercial auto liability — but most commercial accounts and contracts require significantly higher limits. We structure your policy for your actual contractual requirements, not just the state minimum.