Your Business Moves. Your Coverage Should Keep Up.
Personal auto insurance doesn't cover business vehicles. A commercial auto policy protects your fleet, your employees, and your bottom line when accidents happen on the road.
Personal Auto Insurance Won't Protect Your Business
If your business owns, leases, or uses vehicles for any work-related purpose — delivering goods, transporting equipment, visiting clients, or hauling materials — your personal auto policy almost certainly won't cover an accident that happens on the job. That means one collision could leave your business exposed to lawsuits, repair bills, and medical costs with zero coverage.
Commercial auto insurance is designed specifically for the higher risks businesses face on the road. It offers higher liability limits, covers multiple drivers and vehicle types, and protects your company financially when accidents happen during business operations. In most states, it's legally required for any business-owned vehicle.
Whether you operate one company truck or a full fleet, we help Midwest businesses get the right commercial auto coverage — quickly, competitively, and without the complexity.
Get a Commercial Auto Quote →Are your business vehicles properly insured?
Most business owners don't realize their personal auto policy excludes work-related use. Let us review your coverage and close that gap today.
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Commercial Auto Coverage Through Brawner
A complete commercial auto policy covers liability, physical damage to your vehicles, and protection for your drivers — all tailored to your business operations.
Liability Coverage
Covers bodily injury and property damage you or your employees cause to others in a business vehicle accident. Includes both bodily injury liability and property damage liability — the foundation of every commercial auto policy.
Collision Coverage
Pays to repair or replace your business vehicle if it's damaged in a collision with another vehicle or object — regardless of who is at fault. Essential for protecting the value of your fleet.
Comprehensive Coverage
Protects your business vehicles against non-collision events — theft, vandalism, fire, hail, flooding, falling objects, and animal strikes. Covers damage that happens even when the vehicle isn't being driven.
Uninsured / Underinsured Motorist
Covers your injuries and vehicle damage if the at-fault driver has no insurance or not enough coverage. Protects your business from paying out of pocket when someone else causes the accident.
Hired & Non-Owned Auto
Provides liability protection when employees drive rental cars, leased vehicles, or their own personal cars for business errands. A critical gap-filler for businesses that don't own every vehicle used for work.
Medical Payments
Covers medical expenses for you, your employees, and passengers injured in a business vehicle accident — regardless of fault. Helps pay hospital bills, rehabilitation costs, and related expenses quickly.
Roadside Assistance
Covers towing, flat tires, dead batteries, lockouts, and fuel delivery for your commercial vehicles — keeping your operations running when breakdowns happen on the road.
Rental Reimbursement
Pays for a temporary rental vehicle while your business vehicle is being repaired after a covered accident. Keeps your operations moving without added out-of-pocket costs.
Let's build your commercial auto policy.
We assess your vehicles, drivers, and operations to find the right coverage at the best rate.
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