Commercial Auto Insurance That Keeps Your Business Moving

Protection on the road for the vehicles that power your work.

From delivery vans to entire fleets, our commercial auto insurance helps keep your business rolling—no matter what’s around the corner.

A delivery man is sitting in the driver 's seat of a van holding a cardboard box.

Coverage You Can Rely On

Every time your team hits the road, there’s risk involved. At Mallory Agency, we help you manage that risk with coverage tailored to your drivers, routes, and vehicles. Whether you own a single truck or manage a regional fleet, we build auto programs that reflect your operations, contracts, and compliance needs.

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What Does Commercial Auto Insurance Cover?

  • Liability Coverage
    Covers injury or property damage your drivers may cause to others.
  • Collision Coverage
    Pays for damage to your vehicles in an accident, regardless of fault.
  • Comprehensive Coverage
    Protects against non-collision events like theft, fire, hail, or vandalism.
  • Uninsured/Underinsured Motorist
    Covers costs if another driver causes an accident but lacks proper coverage.
  • Medical Payments
    Helps cover medical expenses for your driver and passengers.
  • Hired & Non-Owned Auto
    Protection when employees use personal or rented vehicles for business.
A car with a damaged side is parked next to another car.

Who Needs Commercial Auto Insurance?

If your business owns, leases, or uses vehicles for business purposes—this coverage is essential. It applies to:



  • Contractors & service businesses
  • Local delivery or logistics companies
  • Fleet operators & owner-operators
  • Sales teams or mobile service reps
A man is sitting in the driver 's seat of a truck talking on a cell phone.

What Sets Mallory Apart

  • Built Around Your Routes
    We customize policies to match your mileage, driver behavior, and coverage needs.
  • Certificates On-Demand
    Need COIs for vendors, projects, or contracts? We turn them around fast.
  • Claims Advocacy That Drives Results
    When accidents happen, we help manage the claim—not just file it.
  • Support for DOT & Safety Compliance
    We understand the paperwork and planning needed for regulated fleets.
A man is walking through a warehouse filled with shelves and boxes.

Common Questions About Commercial Auto Coverage

  • Is personal auto insurance enough for a business vehicle?

    Usually not. Personal policies exclude many work-related claims.

  • Can I cover employee-owned vehicles used for business?

    Yes—Hired & Non-Owned Auto coverage is designed for this.

  • How do I reduce costs on my commercial auto policy?

    Telematics, driver training, bundling policies, and risk reviews can all help lower premiums.

  • Does this include rental vehicles?

    Yes, if you include Hired Auto coverage in your policy.

Let’s Drive Toward Smarter Protection

Your business vehicles deserve the same strategy as the rest of your operation. Let’s make sure they’re covered.