Commercial auto for your business
Harbor One can provide commercial auto coverage options to keep your business covered on the road.
What is commercial auto insurance?
If your business owns or leases vehicles, State Farm commercial auto insurance can help cover expenses like repairs, medical bills, and legal fees in the event of an accident involving you or your employees.
This coverage extends to a wide range of vehicles—cars, trucks, vans, pickups, farm equipment, and more.
Why your business may need commercial auto insurance
Even a minor accident can create major setbacks for your business. Without the right insurance, you could be on the hook for costly repairs, medical expenses, and more.
Savvy business owners protect themselves from unnecessary risk. If your business owns, leases, or rents vehicles for long-term use, consider State Farm Commercial Auto Insurance.
You may also want to explore employers’ non-owned and hired auto coverage—especially if employees use their personal vehicles for work or if your business occasionally rents, leases, or borrows vehicles for short-term use. Coverage options and availability can vary by state.
What commercial auto insurance covers
Customization is good. Which is why we let business owners select from a wide range of commercial auto coverage options.
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Liability covers bodily injury or property damage claims you may be required to pay.
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Personal injury/medical payments coverage helps pay reasonable and necessary medical and funeral expenses for covered persons.
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Collision coverage helps pay for a covered vehicle when it’s damaged in a collision with another object, less the deductible.
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Comprehensive coverage helps pay for the loss of or damage done to an insured vehicle, not caused by a collision or vehicle rollover, less any deductible.
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Uninsured/underinsured motorist coverage helps pay for injuries, and in some circumstances property damage, when you’re in an accident with a person who is uninsured or doesn’t have enough liability insurance.
Do I need professional liability insurance for my business?
You might assume that your general liability policy covers professional mistakes—but that’s not usually the case. Unless your policy specifically includes professional liability coverage, you’re likely not protected against things like a botched hair color, errors on a client’s tax return, or a misdiagnosis of a pet’s illness.
If you’re a hair salon owner, veterinarian, architect, accountant, or another type of service-based professional, professional liability insurance is worth serious consideration. Without it, you could be stuck paying out-of-pocket for legal fees and damages—expenses that could jeopardize your entire business.
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We are small business owners too. We understand what it takes to run a business and are ready to help you set up for success.
Customizable insurance
Harbor One offers a wide variety of coverage options that you can tailor to help fit your unique business needs. You can choose the right coverage at the right price for you.
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We are ready to help your business grow and thrive with good neighbor service you can count on no matter what.