Commercial Auto Insurance
Coverage for Businesses and Employee Drivers Throughout Kentucky
Commercial Auto Insurance in Kentucky
With over 4.2 million commercial and personal vehicles registered in Kentucky, businesses face unique risks when operating vehicles. Unlike personal cars, commercial vehicles are used for business purposes and require specialized coverage to protect your investment.
At First Insurance Group USA, we provide tailored commercial auto insurance throughout Kentucky, ensuring your business and drivers are protected from day one. Get in touch with a friendly insurance professional today at [insert phone number] or request your free quote online.
Why Get Commercial Auto Insurance?
Commercial auto insurance protects businesses from the unique challenges of owning or using vehicles for work. It helps cover:
Vehicle repairs or replacements
Liability claims
Unexpected expenses that personal auto policies typically won’t cover
What Counts as a Commercial Vehicle in Kentucky?
Commercial vehicles include:
Single vehicles or fleets owned by a business
Employee-owned vehicles used regularly for work
Company-owned vehicles driven during off-hours
Rented or hired vehicles for business use
Rideshare vehicles, taxis, or shuttles
Certain privately-owned vehicles that qualify as commercial due to weight
If you use a vehicle significantly for business purposes, you likely need commercial coverage — whether it’s a single car, a fleet of vans, or 18-wheelers.
Who Does Commercial Auto Insurance Cover?
Policies can cover:
The business that owns the vehicle
Employees driving on behalf of the business
Some employees may need to be listed on the policy if they will operate company vehicles.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance can include several types of coverage:
Liability Insurance: Covers third-party bodily injury and property damage, including unique risks like hazardous material spills.
Collision Insurance: Pays for damage to your vehicle from accidents.
Comprehensive Insurance: Covers damage from theft, vandalism, severe weather, fire, or animal strikes.
Non-Owned/Hired Auto Liability: Extends coverage when employees use personal cars for business purposes.
Medical Payments Coverage: Covers medical costs for drivers or passengers in your commercial vehicles.
Uninsured Motorist Coverage: Protects your vehicle if an at-fault party lacks insurance.
Kentucky law, as well as federal regulations, may require certain coverage, especially for heavyweight vehicles or those transporting cargo or hazardous materials. Your agent can guide you on mandatory versus optional coverage.
How Much Does Commercial Auto Insurance Cost?
Your premium depends on factors such as:
Number of vehicles and drivers
Coverage limits and deductibles
Vehicle value
Claims history
Type of cargo transported
If you haul equipment, deliveries, or other items, you may also need inland marine insurance to protect goods in transit.
Commercial Auto Insurance for Rideshare Drivers
If you drive for companies like Uber or Lyft, rideshare insurance is a specialized form of commercial coverage. It activates while driving for work and often provides better protection than company-offered supplements. Policies can be purchased as independent coverage or added as an endorsement to a personal auto policy.
