Protect your business vehicles with a Pennsylvania commercial auto policy
Many of Pennsylvania’s 1.1 million small businesses need commercial auto insurance to protect against accidents and mishaps that arise from the use of their business vehicles. Commercial vehicles typically need higher limits and specialized coverages that aren’t part of a personal auto policy.
Over 750,000 small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they own a consulting firm in Philadelphia or a manufacturing facility in Pittsburgh.
Commercial auto coverage for a variety of business types:
Pennsylvania commercial auto insurance cost
Several factors affect the cost of your Pennsylvania commercial auto policy, including your:
Profession
Some industries have more risk than others. A handyman who carries tools and equipment to various job sites every day can expect to pay more than an insurance agent that runs occasional errands.
Vehicle
Your vehicle’s size and use affect your rate. A large tow truck with heavy equipment used to move vehicles will likely have a higher premium than a small pickup truck used for property maintenance at an apartment complex.
Driving history
Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.
Location
It’s common to pay more for commercial auto coverage in a large city like Pittsburgh than in a smaller city like Erie. Keep in mind, prices are usually higher in locations that experience more claims or more expensive settlements than other locations. Areas susceptible to weather-related events, such as tornadoes and flooding, are also factors.
Travel radius
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Philadelphia’s city limits is considered lower risk than a vehicle with a regional route that covers all of Eastern Pennsylvania.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Pennsylvania state minimum limits of 15/30/5 will pay less than a policyholder needing a combined single limit of $1M.
Pennsylvania commercial auto insurance requirements
Pennsylvania state law requires all commercial auto policies to have a minimum liability limit of $15,000 per person, $30,000 per accident for bodily injury and $5,000 for property damage (i.e., 15/30/5). Some policies are required to carry higher limits based on the types of vehicles they insure.
The state also requires medical payments coverage to help people on your policy pay for medical expenses related to an accident involving your commercial vehicle.
Pennsylvania commercial auto resources:
Common professions that need commercial auto insurance in PA:
Browse more examples of professions we insure.
Commercial auto insurance anywhere in Pennsylvania
We offer Pennsylvania commercial auto insurance statewide, including these major cities:
- Philadelphia
- Scranton
- Allentown
- Reading
- Levittown
- Pittsburgh
- Bethlehem
- Erie
- Lancaster
- Harrisburg
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