- Trusted Independent Agency Since 2011
Commercial Auto Insurance
Better Coverage for Your Business Autos
Get Commercial Auto Insurance Today at Lafayette Insurance
Landscape trucks, service vehicles, dump trucks, or semis – we have a plan that fits your needs. Â We can cover a single commercial vehicle or an entire fleet. Â Did you know that you can get a discount on your personal home with a Commercial Auto Policy?Â
âCommercial auto insurance covers you and your employees from financial loss if involved in an at fault accident. It can pay for property damage, medical expenses, and can also include uninsured and underinsured in the event of the other party involved not having insurance coverage in force.
Commercial auto policies are very similar to a standard auto policy with some additional coverages available to protect your business. We can schedule multiple drivers on one policy to keep you operating smoothly.
Call: 765-474-2300
Commercial Auto Insurance in Lafayette, Indiana
If your business owns, leases or uses vehicles, you likely need commercial auto insurance. Personal auto policies often exclude or limit coverage when a vehicle is used mainly for business, and that can leave you exposed after an accident. From contractors’ pickups and service vans to delivery vehicles and box trucks, we help businesses across Lafayette, West Lafayette and Tippecanoe County protect the vehicles that keep them running.
Who needs commercial auto insurance?
- Contractors, landscapers, plumbers, electricians and other trades
- Businesses with delivery, service or sales vehicles
- Companies whose employees drive company-owned vehicles
- Businesses that haul tools, equipment or materials
- Vehicles titled to a business or LLC
Commercial auto coverage options
- Liability â injuries and property damage your drivers cause to others
- Collision and comprehensive â damage to your vehicles from accidents, theft, weather and more
- Uninsured and underinsured motorist â protection when the other driver doesn’t have enough insurance
- Medical payments â medical bills for your drivers and passengers
- Hired and non-owned auto â liability when employees use their own cars or rented vehicles for business errands
- Towing, rental and equipment coverage â including ladder racks, toolboxes and other equipment added to your vehicles
For tractor-trailers and for-hire trucking, see our semi truck insurance page.
Building a complete business insurance plan
Commercial auto works best as part of a complete plan that includes general liability, workers’ compensation and a commercial umbrella. As an independent agency, we can shop several companies and coordinate your policies so there are no gaps. Learn more on our business insurance page.
Commercial auto FAQs
Can I put my work truck on my personal policy?
Sometimes, depending on how the truck is used, who owns it and what you haul. If the vehicle is titled to your business or used heavily for work, a commercial policy is usually the right fit. We’ll help you decide.
What if employees drive their own cars for work?
Their personal policies usually respond first, but your business can still be sued. Hired and non-owned auto coverage helps protect your business in those situations.
How do I get a quote?
Have your vehicle list (year, make, model and VIN), driver list and current policy handy, then call or text 765-474-2300.
Our process
Compare Quotes from Lafayette Insurance
01. Provide Details
Tell us a little bit about what you are wanting to insure.
02. Discuss Coverages
We educate you on insurance coverages relevant to you.
03. Compare Quotes
We shop multiple companies to find the best rates and protection.
04. Pick Your Policy
Choose the insurance plan that works best for your individual needs.
Lafayette Insurance Reviews
What our Clients Say
Joe and his staff are top notch. I never worry if I have an issue involving insurance. They are there to help make the experience worry free and professional. Itâs worth your time to give Lafayette Insurance a call.
Tremendous support from Joe Couch. He was readily-accessible, diligent, and a tremendous help through the process of switching policies. Would recommend to everyone.
Joe Sr. and Jr. are both professional and do the very best they can to get you the best deal possible. They have reached out to me to let me know of opportunities to decrease my rates before my terms were up so I could plan accordingly. They always answer when I text or call with a problem. Can't say enough good things about this company or the people running it!
Very professional and responsive. After calling several agencies in the area, our quote was 15% lower than anywhere else!
Joe Jr. looks out for you. Initially he had me with one insurance agency. 1 year in and upon finding a new deal, he contacted me, helped me save some money, and found a more reliant insurance company for my family's vehicles. He is personable and offers good advice without trying to overexert influence. I have not had to deal with a wreck yet and working through a claim, but I will update this post if it happens.
They are very nice and will find the best deal for you. They also follow up with you in the future to better you in better insurance for less.
The Couch team is great, I wound up switching to them from another company. I saved money, got better BOP coverage, better Work Comp coverage, and fadter service. I highly recommend them to any Business in the Lafayette area.