Commercial Auto Insurance

Once a vehicle works for a living, a personal auto policy usually stops covering it. Commercial auto picks up where that leaves off.

What Is Commercial Auto Insurance?

Commercial auto insurance covers the vehicles your business owns, leases, hires or borrows — liability for the people you hit, physical damage to the truck or van, medical payments, and uninsured motorist coverage. A personal auto policy is built around personal, everyday use, and most include exclusions for business-related driving. Hauling tools between job sites, making deliveries, or putting a company-owned vehicle on the road are the clearest signals you need a commercial policy.

Why Commercial Auto Insurance Matters

The real risk is not a higher premium. It is a denied claim after an accident that leaves you — or your business — personally responsible. Commercial auto is also where the policy symbols matter: hired autos, non-owned autos driven by employees, and the trucks you own can each sit on a different part of the declarations page. We read those with you so the policy is looking at the vehicles that actually move for the business.

Who Needs Commercial Auto Insurance?

Contractors, service crews, delivery operations, farms, and anyone with a company vehicle or a trailer in the business name. For-hire trucking has its own rules: a truck over 10,000 pounds GVWR hauling nonhazardous property across state lines carries a federal minimum of $750,000 in public liability, and the MCS-90 endorsement that goes with it. A truck that never leaves Mississippi is a different conversation.

Coverage Highlights

Liability for bodily injury and property damage
Collision and comprehensive on owned vehicles
Hired and non-owned auto coverage
Uninsured/underinsured motorist protection
Trailers and specialized equipment
MCS-90 and filings for for-hire trucking
Certificates of insurance for contracts

Local Considerations

A lot of the work around here crosses state lines on US-72 — a crew based in Tishomingo County working jobs in the Shoals, a delivery route into Tennessee. Commercial policies name the states they respond in, and we write in Mississippi, Alabama and Tennessee so the policy can follow the work. Lee County alone has about 2,550 employer establishments; most businesses in Tishomingo County are one-person operations. Both need a policy sized to how the vehicle is actually used.

Where We Write Commercial Auto Insurance

Three offices, one agency. Walk into whichever is closest, or start online and the people who know your town will pick it up.

Commercial Auto Insurance in Belmont 9 Third Street, Belmont, MS Commercial Auto Insurance in Tupelo 600 West Main Street, Suite E, Tupelo, MS Commercial Auto Insurance in Iuka 203 South Fulton Street, Iuka, MS

How Our Quote Process Works

We Start with a Conversation

We take time to understand what you're trying to protect and what matters most to you.

We Shop Multiple Carriers

We compare options across 20+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.

We Review for Gaps

We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.

We Walk You Through It

We explain your options in plain English, answer questions, and help you make a confident decision.

Get a Commercial Auto Insurance Quote

We'll shop multiple carriers and walk you through your options — no obligation, no runaround.

Request a Quote

Or call (662) 454-7831

Other Coverage Options

Commercial Auto Insurance Questions We Actually Get

Straight answers to what people ask us around here.

I use my personal truck for work. Isn't my personal policy enough?

Often it is not. Personal auto policies are built for personal use and most include exclusions for business-related driving. Delivery driving, hauling tools between job sites and company-owned vehicles are the clearest signals you need commercial coverage. If you are not sure whether your driving counts as business use, that uncertainty is itself a reason to ask.

Does commercial auto cover the tools in the truck?

Generally no. Commercial auto covers the vehicle — the glass, the lock, the body. The contents are a separate question, usually handled by an inland marine or contractor's equipment floater. We quote them together so there is no gap between the two.

What are hired and non-owned autos?

Hired autos are vehicles the business leases, rents or borrows. Non-owned autos are vehicles the business does not own — an employee's own car, for instance — used in the business. Each is its own symbol on a business auto policy, and whether you need them depends on how your people actually get around.

What does a for-hire truck have to carry?

A for-hire truck over 10,000 pounds GVWR hauling nonhazardous property in interstate commerce carries a $750,000 federal minimum for public liability. Oil and most hazardous materials carry $1,000,000 or more. Shipper and broker contracts routinely ask for more than the federal floor — those are contract terms, not law, and we read them with you.

Got one that isn't here? Ask us directly — or see the full FAQ.

Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.

Real People

Who You'll Actually Talk To

No phone trees and no call centre. When you call about commercial auto insurance, one of these people picks up.

Meet the whole team

Tamara Pharr — Agency Owner & Commercial Insurance Agent — Tamara Pharr

Justin Timbs — Personal & Commercial Insurance Agent — Justin Timbs

Savannah Arnold — Personal Lines Insurance Producer — Savannah Arnold

Stefany Gilleland — Front Line Support — Personal Lines — Stefany Gilleland

Let's Talk About Your Commercial Auto Insurance

No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.

Get a Quote Call (662) 454-7831