Commercial Auto Insurance
PROTECT YOUR BUSINESS ON THE ROAD.
PROTECT YOUR BOTTOM LINE.
Your vehicles keep your business moving. Tuve Insurance helps Minnesota and Iowa business owners protect their cars, trucks, vans, and fleets with customized commercial auto insurance solutions.
- Liability Protection
- Person Injury Protection (PIP)
- UM & UIM Coverage
- Comprehensive
- Collision
- Hired and Non-Owned Auto
GET A QUICK QUOTE
it only takes a minute
Your information is secure and will never be shared
Protect the Vehicles That Keep Your Business Moving
Every business trip brings both opportunity and risk. Whether employees drive to job sites, deliver products, transport equipment, visit customers, or operate a fleet, a single accident can result in costly repairs, medical bills, legal expenses, and business interruptions. Commercial auto insurance protects your company when a business vehicle is involved in a covered loss.
Tuve Insurance offers commercial auto insurance in Lakeville, MN, for contractors, service companies, retailers, and manufacturers. We help business owners compare quotes, understand coverage, and customize policies for their vehicles, drivers, and operations. Call 952-469-0428 to discuss your business auto insurance needs.
What Is Commercial Auto Insurance?
Commercial auto insurance, also called business auto insurance or commercial vehicle insurance, covers vehicles used for business purposes. Personal and commercial policies may contain similar coverage categories, but commercial policies are written for business exposures and commonly offer higher liability limits. Minnesota’s Department of Commerce notes that commercial policies may also cover rented vehicles and employees’ personal vehicles used for company business.
A personal auto policy may not adequately cover a vehicle used for deliveries, transporting tools, hauling materials, carrying customers, or business travel. If a company owns a car, pickup, van, or box truck, it needs a commercial auto policy. Minnesota’s Department of Commerce advises businesses that own vehicles for deliveries or client visits to obtain separate commercial automobile coverage.
What Does Commercial Auto Insurance Cover?
A Minnesota commercial auto insurance policy can include various protections. Coverage depends on the insurer, policy type, vehicle, business use, selected limits, and endorsements.
Bodily injury liability helps pay covered medical expenses, lost wages, legal costs, and damages when an insured driver causes an accident that injures another person. Property damage liability helps pay for damage to another person’s vehicle, building, fence, or equipment.
Collision coverage helps repair or replace an insured business vehicle after a covered crash, regardless of fault. Comprehensive coverage generally protects against non-collision losses such as theft, vandalism, fire, hail, falling objects, and animal strikes. A deductible usually applies.
Uninsured and underinsured motorist coverage may help protect insured drivers and passengers when an at-fault motorist has no insurance or insufficient limits. Minnesota auto insurance laws also include no-fault benefits and required financial protections, although the exact structure for a commercial risk depends on vehicle classification and policy details.
Additional options include towing, roadside assistance, rental reimbursement, and lease or loan gap coverage.
Hired and Non-Owned Auto Insurance
Not all business vehicles are company-owned. Hired auto coverage protects your business when renting, leasing, or borrowing vehicles. Non-owned auto insurance provides liability protection when employees use personal vehicles for company errands, sales calls, supply pickups, or customer visits.
For example, if an employee uses a personal car to deliver documents and causes an accident, their policy may respond first, but the business could still face liability. Hired and non-owned auto coverage helps address this risk, subject to policy terms and limits.
Businesses without company-owned vehicles may still need hired and non-owned auto insurance. This coverage can often be added to a business owners policy or included with another commercial auto insurance for Minnesota Businesses
Tuve Insurance arranges commercial vehicle insurance for contractors, electricians, plumbers, landscapers, cleaning companies, restaurants, retailers, real estate firms, professional offices, delivery businesses, and small fleets.
Eligible vehicles include business cars, cargo vans, service vans, pickup trucks, box trucks, utility vehicles, and certain trailers. Specialized operations such as trucking, passenger transportation, towing, or heavy hauling may require different policy forms, filings, limits, or underwriting.
Commercial truck and fleet insurance must be tailored to your business. A company with one local service van faces different risks than a business operating ten trucks across several states. Factors such as vehicle weight, cargo, operating radius, driver experience, storage, and contracts affect coverage and eligibility.
How Much Does Commercial Auto Insurance Cost in Minnesota?
Commercial auto insurance rates vary. Insurers consider the number and type of vehicles, business industry, driving radius, garaging location, vehicle value, annual mileage, cargo, coverage limits, deductibles, loss history, and driver records.
A business can improve its risk profile by checking motor vehicle records, establishing driving rules, training employees, maintaining vehicles, documenting accidents, and limiting vehicle use to approved drivers. Higher deductibles may lower premiums, but the business must be prepared to pay after a loss.
The lowest commercial auto insurance quote is not always the best option. Low limits or missing endorsements can leave your company responsible for significant expenses. Review the entire policy, not just the premium.
Why Choose Tuve Insurance?
Tuve Insurance is a local, veteran-owned independent agency in Lakeville, Minnesota. We take the time to understand how your business uses vehicles and help you compare options from multiple insurers.
Our team reviews commercial auto liability limits, physical damage deductibles, driver schedules, vehicle lists, hired and non-owned auto exposures, and certificate requirements. We also coordinate business auto insurance with general liability, commercial property, workers’ compensation, cyber liability, umbrella insurance, and other coverage.
Request a Commercial Auto Insurance Quote. Your vehicles generate revenue, serve customers, and keep projects moving. Protect them with coverage designed for business use. Contact Tuve Insurance for a commercial auto insurance quote in Lakeville, MN. Call 952-469-0428 to review your vehicles, drivers, limits, and operations with an agent. agent.
Frequently Asked Questions
Businesses must maintain appropriate insurance for vehicles they own and operate. Minnesota drivers are also required to carry proof of insurance while operating a vehicle. Requirements may vary for specialized vehicles and regulated operations.
A personal policy may cover limited incidental business use, but restrictions can apply. Regular deliveries, transporting equipment, carrying passengers for compensation, or using a company-owned vehicle usually requires commercial auto insurance.
Hired auto coverage applies to certain vehicles the business rents, leases, or borrows. Non-owned auto coverage addresses liability arising from employees using personal vehicles for business purposes.
Yes. A commercial auto policy can often ensure multiple eligible vehicles and approved drivers. Accurate vehicle and driver schedules are essential, and changes should be reported promptly.
