Understand your risks
What are you really protecting on the job?
Tap each hotspot to see what matters most in a business auto policy and how it protects your operation.
Commercial liability
Helps pay for injuries or property damage caused by your business vehicle.
How Amara helps:
This is the core protection for any business auto policy. If one of your company vehicles causes an accident, commercial liability helps protect the business from covered injury and property damage claims.
Coverage basics
Business auto coverage explained in plain English
Here’s the simple version of the main coverages so you can match the policy to the way your vehicles are actually used.
Commercial liability
Helps protect your business when a company vehicle causes injury or property damage.
Physical damage
Helps repair or replace the vehicle after a crash, theft, fire, or other covered loss.
Hired / non-owned
Helps when employees use personal cars or rented vehicles for business tasks.
Cargo / equipment
Helps protect tools, materials, and cargo while they’re being carried or transported.
Quick guide
What kind of business auto setup do you need?
Use this to see which type of commercial auto protection usually fits your operation.
Single work van
Usually needs commercial liability plus physical damage if the van is valuable or financed.
Service truck
Often needs coverage for tools, equipment, and business use beyond personal auto limits.
Delivery fleet
Fleet-style coverage may be needed to handle multiple drivers, vehicles, and routes.
Employee driving
Hired and non-owned coverage can help when workers use their own vehicles for business tasks.