Commercial Auto Insurance for Louisiana Businesses
Business Vehicles Need Business Insurance
If you use vehicles for work-whether it's a single delivery car, a contractor's pickup, or a whole fleet-you need commercial auto insurance. Personal auto policies typically exclude business use, leaving you at risk if an accident happens on the job. At State Insurance Services, we help Louisiana businesses secure the right coverage for every situation, from one vehicle to dozens.
What Does Commercial Auto Insurance Cover?
Liability Coverage
Protects your business if a driver causes injury or damage while working. Higher limits available to safeguard your company assets.
Physical Damage (Collision & Comprehensive)
Pays for repairs to company vehicles from accidents, storms, theft, or vandalism.
Hired & Non-Owned Auto
Covers vehicles your business doesn't own but uses-like employee cars for errands or rentals.
Fleet Solutions
Manage multiple vehicles with one policy and renewal date. Fast certificates for contractors and contracts.
Industry Filings
We assist with Louisiana SR-22, Form E, and other state-specific filings for regulated industries.
Do You Need a Business Auto Policy?
You likely need a commercial auto policy if:
Personal policies exclude most business activity-don't leave your business exposed!
You use vehicles for deliveries, client visits, transporting tools, or job site travel.
Your employees drive company cars or their own vehicles for work errands.
You operate service vans, pickups, food trucks, or specialty vehicles.
You manage a fleet for your business or nonprofit.
Serving Louisiana's Diverse Business Vehicle Needs
From Baton Rouge food delivery cars to Ascension Parish contractor fleets, we insure:
Service trucks, vans, and trailers
Small business vehicles (one or many)
Dump trucks, tow trucks, and specialty vehicles
Local and regional fleet operations
Smarter Quotes, Better Coverage
Commercial auto rates have climbed, but there's opportunity: we shop multiple insurers-including those specializing in your industry or vehicle type-for competitive rates. Ask about driver safety and telematics discounts, multi-vehicle savings, and risk management support. Our goal: get you full coverage at a fair price, with ongoing advice to keep costs down.
Commercial Auto Insurance Questions-Answered
Do I need commercial auto insurance for my work truck?
Yes. If you use your truck for business-even part-time-a commercial policy is required.
How much does business auto insurance cost?
Pricing depends on vehicle type, use, drivers, and location, but we routinely save clients 10-15% by shopping our carrier network.
What's the difference between commercial and personal auto?
Personal policies exclude business use. Commercial auto covers work activity, employees, and higher limits needed by businesses.
Can you help with fleet insurance?
Absolutely. We handle fleets of all sizes-one renewal date, simplified management, and quick certificates.
What if I need trucking or specialty vehicle coverage?
We offer commercial trucking insurance and specialty programs for all types of vehicles-just ask!
Don't Leave Your Business Exposed-Request a Quote Today
Protect your vehicles, your people, and your business assets with tailored commercial auto insurance. Whether you have one car or a full fleet, let's find the right policy-request a quote and drive with confidence.