Commercial Auto Insurance

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Commercial Auto Insurance – Protect Your Business on the Road

Whether you operate a single work truck or manage a full fleet, one accident could cost your business thousands — or shut it down entirely. That’s why Commercial Auto Insurance isn’t just important, it’s critical.

At OGI (Online General Insurance), we provide smart, affordable coverage for businesses that rely on vehicles to operate — with protection that goes far beyond standard auto policies.

Who Needs Commercial Auto Insurance?

You should consider a commercial policy if you:

Drive your vehicle regularly for work (beyond commuting)
Transport tools, equipment, or materials
Use your vehicle to visit clients or job sites
Have employees who drive your vehicles
Operate food delivery, contracting, logistics, or fleet-based services

What OGI’s Commercial Auto Insurance Covers

Liability Coverage Bodily injury and property damage caused to others
Collision Coverage Damage to your vehicle in an accident
Comprehensive Coverage Theft, vandalism, fire, weather-related events
Uninsured/Underinsured Motorist Protects you if the other party doesn’t have enough coverage
Medical Payments / PIP Covers you and your driver’s medical bills
Trailer & Equipment Add-Ons Add-ons for mobile tools, tow attachments, etc.

Industries We Commonly Cover

Construction & Contracting
Delivery & Logistics
Landscaping & Outdoor Services
Real Estate & Mobile Sales
Food Trucks & Catering
Cleaning & Maintenance Services

Why Choose OGI for Commercial Auto Insurance?

01

Fast same-day quotes

02

Flexible payment options

03

Add drivers, vehicles, and equipment anytime

04

Work with real licensed advisors not just apps

Why Personal Auto Insurance Doesn’t Cover Business Use

Most personal car policies exclude commercial use meaning if your vehicle is used for deliveries, transporting tools, visiting clients, or carrying materials and you’re in an accident, your claim could be denied.

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