Who Needs Commercial Auto Insurance?

If your business relies on vehicles to get the job done, commercial auto insurance from Tutela Insurance Services is a smart—and often necessary—choice. Whether you're transporting tools, delivering goods, or driving clients, personal auto coverage usually won’t protect you in the event of a business-related accident.

You may need a commercial auto policy if your company owns, leases, or operates cars, vans, or trucks as part of your daily operations.You’ll likely need a commercial auto policy if your business owns, leases, or regularly operates cars, vans, or trucks. Industries that commonly use this protection include:

• Trades & Contractors — Electricians, plumbers, landscapers, and construction crews who carry tools and equipment on the road. We protect both the vehicle and the tools inside.

• Delivery & Courier Services — From local retailers to e-commerce deliveries, cover drivers, vehicles, and cargo.

• Passenger Transport — Taxis, shuttles, and rideshare operators need policies that protect passengers as well as drivers.

• Food Services — Food trucks, caterers, and restaurants that deliver rely on commercial auto coverage for equipment and inventory in transit.

• Nonprofits & Community Groups — Organizations that move volunteers, clients, or supplies should protect their vehicles and those they serve.

At Tutela, we understand that every business is unique. That’s why we offer custom commercial auto insurance solutions that provide the right protection for your specific needs. Contact us today to explore your options and keep your business moving safely.

Customized Commercial Auto Coverage That Works for Your Business

Every business is different—and so are its risks. At Tutela Insurance Services, we provide flexible commercial auto insurance solutions tailored to your operations, helping protect your vehicles, your team, and your bottom line.

When you request a commercial auto insurance quote with Tutela, we’ll walk you through essential coverages that may include:

• Liability Coverage
  Covers injuries to others and damage to property if your business vehicle is involved in an at-fault accident.

• Collision Coverage
  Helps pay for repairs or replacement if your vehicle hits another object, overturns, or is involved in a crash.

• Comprehensive Coverage
  Offers protection against non-collision incidents like theft, vandalism, fire, floods, or severe weather damage.

• Uninsured/Underinsured Motorist (UM/UIM)
  Steps in when you're hit by a driver with little or no insurance, covering injury and damage costs they can't.

• Medical Payments (MedPay)
  Covers medical expenses for you and your passengers after an accident—no matter who’s at fault.

The right policy depends on a variety of factors, including your business type, number and types of vehicles, location, and exposure to risk. Whether you operate a single service van or manage a fleet of trucks, Tutela offers industry-specific protection plans built to fit your needs.

Explore our full range of commercial auto insurance options and let Tutela help keep your business moving with confidence.