Do You Need a Commercial Auto Insurance Policy?

At Alexander Insurance Agency, we work with clients ranging from small or large businesses to clients needing personal insurance. A common question we hear is, “do I need commercial auto insurance?” This all depends on what you are using your vehicle for and many other determining factors. We thought we would cover some ordinary circumstances in which you would need a Commercial Auto policy. But as always, give our office in St. Charles, MO, a call for one on one guidance and a personal quote.

Any vehicle your company uses for business purposes will need commercial auto insurance. If your vehicle has a commercial license plate or is registered as a commercial, you will also need a commercial auto policy. Other circumstances include using your own car for a business purpose, such as delivering food or doing rideshare. If an accident were to happen while using your own vehicle for business, your personal car insurance would not likely cover you.

If any of the following apply to you, you may need Commercial Auto Insurance:

  • Do you transit materials or tools with your vehicle?
  • Are you towing vehicles?
  • Is your vehicle used for transporting people, such as limousine service or taxi service?
  • Are you delivering food or goods?
  • Is your vehicle used for freight transportation?

Why do you need a commercial auto policy?

Because a standard auto policy will not cover business vehicles, it is essential to get the right commercial auto policy that will. A commercial policy will ensure you and your business are protected and will cover the costs of property damage, injury, and liability claims. Policy coverage will vary depending on your business, so make sure you give one of our agents a call to get the specific policy you need.

How much does a commercial auto policy cost?

Many factors determine the cost of a commercial auto policy. Fortunately, our team at Alexander Insurance has the experience to find you the right coverage for the best rate. Here are a few things that factor into your insurance rate.

  • Driving record, including those of your employees
  • Driver age
  • Credit history
  • The number of vehicles and amount of coverage needed
  • The type of vehicle and what it will be used for

If you are still unsure if you need commercial auto insurance or what policy would be best for you, set up a free consultation so we can assist you further. You don’t have to figure this out on your own. Alexander Insurance is here to help you through the process. Call us today at (636)949-9525


Top 3 Commercial Auto Policies for 2021

We can all agree 2020 was a doozy. Make sure you start the first half of 2021 on the right foot with the right coverage for your business. Having a commercial auto policy is essential for small and large businesses. If you don’t have the right coverage, you may be responsible if an accident were to happen while an employee was driving a company vehicle or their own. Fortunately, Alexander Insurance works with the top three commercial fleet insurance providers in the Greater St. Louis and St. Charles area.


A top pick for 2021, Progressive offers a wide variety of coverage for your business and is available in all 50 states. Progressive has been around since 1937, offering small business owners coverage for an extensive array of company vehicles, including cars, trucks, commercial vans, and trailers. They offer commercial auto protection like liability, comprehensive and collision, medical payments, uninsured or underinsured coverage, everything you need to cover your business legally. One major perk to working with progressive is they allow you to make seasonal policy changes for those who may not be operating a commercial vehicle during certain times of the year. If you own a business in Missouri or Illinois, a progressive commercial auto policy may be an excellent choice for you. 

Benefits of Progressive Commercial Fleet Insurance:

  • Largest market share in the U.S.
  • Covers a variety of vehicle types
  • Many discount opportunities
  • Seasonal policy changes are available.
  • Offer 24/7 policy service over the phone or online


Why does our team at Alexander Insurance love Nationwide? Also, providing coverage for most of the US, Nationwide has been providing exceptional coverage for many of our business owners right here in St. Charles for years. Nationwide covers commercial vehicles, including cars, cargo vans, work vans, box trucks, pickup trucks, and utility trucks. They offer affordable policies, often with low deductibles without skimping on the value provided.

Benefits of Nationwide Commercial Fleet Insurance:

  • Highly ranked for customer satisfaction.
  • A variety of coverage and deductible options
  • Option to submit claims online.
  • Many optional features available, including gap coverage
  • Coverage for borrowed or rented vehicles
  • Coverage for employees who use their own vehicle
  • Discounts for bundling multiple policies

The Hartford

Last but not least, Hartford is a top choice for commercial fleet auto insurance for businesses with five or more company vehicles. With years of exceptional customer service under there belt starting back in 1810, The Hartford auto policy comes with all of the standard coverages plus plenty of additional protection options. They also have a program to promote safety, manage incidents, and qualify for additional savings called the “FleetAHead” program for business fleets.

Benefits of The Hartford Commercial Fleet Insurance:

  • Covers all 50 states
  • Additional coverages free of charge
  • Specialized services for fleets
  • Discounts for multiple vehicles
  • 24 hour claim services
  • “Drive other car” coverage

Alexander Insurance would proudly recommend any of these commercial auto insurance providers. Let our agents help you determine which policy will best fit your business needs. Give us a call today at (636)949-9525!