Business Auto Insurance in Maryland

Coverage for Vehicles Used for Work

Commercial auto insurance is designed to protect vehicles owned or used by your business — from a single company car to a fleet of vans or trucks. If a vehicle is used primarily for business purposes, a personal auto policy typically won’t cover accidents or claims. Business auto insurance helps protect your company, drivers, and assets when vehicles are on the road for work. From contractors driving pickups to delivery vehicles navigating Annapolis streets, the right coverage is essential.

What Does Business Auto Insurance Cover?

Liability Coverage

Covers bodily injury and property damage if a business-owned or business-used vehicle causes an accident. Higher liability limits are often recommended due to increased business risk.

Collision Coverage

Helps pay for repairs or replacement if your business vehicle is damaged in an accident, regardless of fault.

Comprehensive Coverage

Covers non-collision losses such as theft, vandalism, fire, storm damage, or animal collisions.

Hired & Non-Owned Auto Coverage

Provides protection when employees use personal or rented vehicles for business purposes — a common exposure for sales teams or service professionals.

Fleet Coverage Options

For businesses with multiple vehicles, fleet policies can simplify management and provide consistent coverage across all vehicles.

Why Personal Auto Insurance Isn’t Enough

Personal auto policies generally exclude coverage when vehicles are used beyond basic commuting. Delivery driving, job-site travel, transporting equipment, or carrying business signage can all trigger exclusions. Certain vehicles — like larger trucks or specialty vans — require commercial policies by default.


Example Scenarios:



  • An employee causes an accident while driving a company van to a job site
  • A sales representative uses a company car to visit clients
  • A contractor’s pickup truck carries tools and materials

In these situations, business auto insurance helps protect your company from costly claims.

Delivery person wearing a mask and gloves, unloading a cardboard box from a white van.

Who Needs Business Auto Insurance?

Many businesses across Anne Arundel County rely on vehicles as part of daily operations.

Common examples include:



  • Contractors and trades using pickups or vans
  • Delivery and service vehicles
  • Real estate agents or professionals with branded vehicles
  • Businesses with multiple drivers or shared vehicles
  • Companies reimbursing employees for business driving

We help assess how your vehicles are used and recommend coverage that aligns with your risk.

Common Questions About Business Auto Insurance

  • Do I need commercial auto insurance for my business?

    If a vehicle is owned by your business or used regularly for work, commercial auto insurance is typically required.

  • What’s the difference between commercial and personal auto insurance?

    Commercial auto is designed for business use, higher liability exposure, and specific vehicle types. Personal auto usually excludes most business driving.

  • Does business auto insurance cover employee drivers?

    Yes — coverage typically extends to authorized drivers operating covered vehicles for business purposes.

  • Can I insure multiple vehicles under one policy?

    Yes — fleet and multi-vehicle policies are available and often more efficient.

  • Can business auto insurance be bundled with other policies?

    Absolutely. Many businesses bundle auto with general liability or umbrella coverage for convenience and potential savings.