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Commercial vehicle insurance for your business budget

Commercial Vehicle Insurance Coverage Options

As a business owner, you need to prepare for every situation. Insuring your vehicle or fleet with commercial vehicle insurance coverage is a smart way to protect your company in case of accident. Coverage options for commercial vehicles are flexible, and can be customized to fit your business’s needs.

Choose from a number of commercial vehicle insurance coverage options

Every business is unique, which is why we have several options for company car insurance coverages that meet your company’s needs.

Bodily Injury Liability Coverage

This benefit covers you for accidental bodily injury which you or someone driving your car may cause to someone else. It will compensate that injured someone else for their injuries up to the limit of coverage which you have chosen. It also covers the cost of your legal defense.

Property Damage

This covers you for accidental property damage you or someone driving your car causes to someone else. This coverage will pay for the repairs to that person’s car up to the limit of coverage which you have chosen. The cost of your legal defense is also covered.


Also called "other than collision" (OTC) coverage, this option will help protect your vehicle against damage that doesn’t result from a collision – such as theft, fire, broken glass, etc. There is a deductible with this coverage.


Once your deductible has been met, collision coverage will help cover the damage to your vehicle regardless of fault in an accident.

Uninsured motorist

This provides you with coverage for bodily injury you sustain in an auto accident due to the negligence of a driver who does not have any auto insurance. It pays up to the limit of coverage you have chosen for your car. This coverage is mandatory in most states. In some states, there may also be uninsured motorist coverage for property damage to your vehicle.


A medical payment option will help pay medical expenses of the driver and/or passengers that result from an accident, up to a predetermined amount, regardless of which party is at fault.

Hired auto liability

Provides excess liability coverage for a non-owned, unlisted vehicle you have leased, hired, rented or borrowed for incidental usage in your business.

Employer's non-ownership liability

Provides excess liability coverage for you and your business in the event of an employee using their own (unlisted) vehicle incidentally in the course of your business.

On-hook towing liability

A towing-specific coverage that provides physical damage coverage for a towed auto for which you are legally liable for damaging provided the property damage is caused by either fire, explosion or collision.

Rental reimbursement

When your vehicle is disabled due to a covered loss, this coverage helps pay for costs you may incur for having to rent a car during the time your auto is being repaired. This is an optional benefit which is only available in certain situations.

Fire & theft with combined additional coverage (FTCAC)

Similar to “Comprehensive” coverage, this coverage applies to damages to your vehicle specifically resulting from one or more of the following named perils: fire, explosion, theft, windstorms, hail or earthquakes, flood, mischief or vandalism, loss caused by hitting a bird or animal, or the sinking, burning, collision or derailment of any conveyance while transporting your vehicle. Slightly less expensive than Comprehensive, FTCAC does not provide coverage for damages resulting in glass breakage or any other peril not specifically named above.

Additional/Custom equipment

An optional coverage which covers loss to custom equipment or features which were not installed by the original manufacturer. Special/custom paint finishes, pick-up covers, caps/shells, special tires/wheels, furniture, special carpeting, paneling and stereo systems are examples of equipment protected by this coverage. This equipment must be itemized and inspected by the agent.

Business auto liability coverage quotes

Protect your company cars from the unexpected. Titan offers flexible payment plans and coverage. To learn more about our commercial vehicle program and how we can help protect your business:

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

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Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.

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