Michigan Commercial Auto Insurance
Your vehicles aren’t just a line item—they’re your lifeline. One fender‑bender can derail schedules, damage your brand, and drain your cash flow. At Melton McFadden Agency, we make sure a cracked bumper never turns into a busted budget.
Why You Need Commercial Auto Coverage
A personal auto policy stops covering you the second that pickup, van, or box truck becomes a money‑maker. Commercial auto insurance:
- Pays third‑party claims when your driver is at fault
- Covers repairs or replacement after collisions, theft, fire, hail, or that mystery post‑office pole
- Handles medical bills, lost wages, and legal defense so you keep cash for payroll, not lawyers
- Meets Michigan’s no‑fault and PPI requirements—skip the fines and keep your plates
Don’t Let One Fender-Bender Wreck Your Bottom Line
Whether you’ve got one van or a full fleet, the wrong coverage (or no coverage) can cost more than the vehicles themselves.
Let’s make sure your business stays on the road—no matter what gets thrown at it.
Who Typically Needs Michigan Commercial Auto Insurance?
Contractors & Construction
Common Vehicles
Pickups, stake‑beds, dump trucks
Typical Risks
Job‑site collisions, hauling heavy equipment
Delivery & Courier Services
Common Vehicles
Cargo vans, sprinters, box trucks
Typical Risks
High daily mileage, tight deadlines
Rideshare & Taxi
Common Vehicles
Sedans, SUVs
Typical Risks
Continuous passenger turnover
Food Trucks & Catering
Common Vehicles
Food trailers, vans
Typical Risks
Fire risk, on‑site cooking equipment
Landscaping & Lawn Care
Common Vehicles
Utility trailers, dump beds
Typical Risks
Towing mowers & hazardous materials
Real Estate & Property Mgmt.
Common Vehicles
SUVs, sedans
Typical Risks
Frequent client visits, property tours
Healthcare & Home Services
Common Vehicles
Passenger vans, small buses
Typical Risks
Patient transport, medical equipment on board
Vehicles We Can Cover
- Company cars, vans, and SUVs
- Pickup trucks and utility/body rigs
- Box trucks and delivery sprinters
- Semis, tractor‑trailers, and flatbeds
- Tow trucks and roadside‑service vehicles
- Food trucks, catering vans, ice‑cream rigs
- Construction and landscaping equipment on wheels
If it has a VIN and makes you money, we’ll quote it.
Build Your Own Safety Net
Core Coverages
Bodily Injury Liability
Pays others’ medical bills when you’re at fault
Property Damage Liability
Fixes or replaces someone else’s stuff
Personal Injury Protection (PIP)
Michigan‑required no‑fault coverage for medical, wage loss, and survivor benefits
Medical Payments
Extra cushion for medical/funeral costs after an accident
Collision
Repairs or replaces your vehicle after an impact
Comprehensive
Non‑collision losses: theft, fire, vandalism, deer, you name it
Uninsured / Underinsured Motorist
Covers injuries when the other driver’s insurance is MIA or tiny
Hired & Non‑Owned Auto
Extends liability to rented, borrowed, or employee‑owned vehicles
Additional Expense (Rental & Trip Interruption)
Keeps business moving while your rig is in the shop
Michigan Minimum Limits
- $50,000 per person / $100,000 per accident – Bodily Injury
- $10,000 – Property Damage (out‑of‑state liability)
- $250,000 – Personal Injury Protection (lower options if on Medicare/Medicaid)
- $1 million – Property Protection Insurance (PPI)
Pro tip: Minimum coverage meets state law—not real-world risk. We’ll show you how much extra protection actually costs (usually pennies per day).
Ways to Cut the Bill Without Cutting Corners
- Fleet Discounts – Bundle multiple vehicles, watch premiums drop.
- Driver Safety Programs – Telematics or training = lower risk profile.
- Clean Claims History – Accident‑free fleets get rewarded.
- Vehicle Security – GPS, dash cams, anti‑theft = fewer payouts, lower rates.
- Industry‑Specific Breaks – Certain SIC codes qualify for hidden discounts.
- Pay‑in‑Full or Auto‑Pay – Shrink admin fees and snag instant savings.
We stack every discount you qualify for—none left on the table.
Related Business Coverages
Answering your questions
FAQs About Commercial Auto Insurance
What is commercial auto insurance?
What is commercial auto insurance?
Commercial auto insurance provides coverage for vehicles used in business operations. It helps protect against accidents, property damage, and liability claims to ensure your business stays on track without unexpected financial setbacks.
What does commercial auto insurance cover?
What does commercial auto insurance cover?
It covers accidents, property damage, medical costs, and liability claims. You can also add coverage for hired vehicles, employee drivers, and specialized business use to make sure you’re fully protected.
How does commercial auto insurance work?
How does commercial auto insurance work?
When a business-owned or business-used vehicle is involved in an accident, commercial auto insurance helps cover repairs, medical expenses, and legal claims. Policies are customized based on your business risks and vehicle usage.
How much commercial auto insurance do I need?
How much commercial auto insurance do I need?
Michigan requires minimum coverage, but depending on your business, you may need more to protect against costly accidents or lawsuits. We can help you find the right balance between coverage and cost.
Do I need commercial auto insurance?
Do I need commercial auto insurance?
If you use your vehicle for business purposes—like transporting goods, carrying equipment, or making deliveries—you probably need commercial auto insurance. A personal policy typically won’t cover business-related accidents.
Do I need commercial auto insurance for Uber?
Do I need commercial auto insurance for Uber?
Yes, rideshare drivers typically need a commercial policy or rideshare-specific coverage. While Uber provides some insurance, it does not cover all situations, making additional coverage a smart choice.
Do I need commercial auto insurance for DoorDash?
Do I need commercial auto insurance for DoorDash?
Most personal auto policies won’t cover you while making deliveries. A commercial policy or a delivery driver endorsement can help protect you in case of an accident.
Do I need commercial auto insurance for Instacart?
Do I need commercial auto insurance for Instacart?
Using your car for Instacart means it’s being used for business, which personal policies don’t usually cover. A commercial policy can help make sure you’re protected.
Do I need both commercial and personal auto insurance?
Do I need both commercial and personal auto insurance?
If you use your vehicle for both personal and business purposes, you may need both policies or a hybrid option that covers both uses. We can help you find the right coverage to avoid gaps in protection.
Does commercial auto insurance cover personal use?
Does commercial auto insurance cover personal use?
Some policies allow personal use, but not all. If you also use your work vehicle outside of business hours, we can help you find coverage that works for both.
Is commercial auto insurance more expensive?
Is commercial auto insurance more expensive?
Commercial auto insurance is generally more expensive than personal auto insurance because businesses face higher risks. However, we work with multiple carriers to find cost-effective solutions for your business.
How much is commercial auto insurance?
How much is commercial auto insurance?
Rates vary based on factors like vehicle type, business industry, driving history, and coverage limits. At Melton McFadden, we compare multiple carriers to find the best price for your specific needs.
Can you write off commercial auto insurance?
Can you write off commercial auto insurance?
Yes, commercial auto insurance is typically tax-deductible as a business expense. Consult your tax professional to ensure you’re maximizing your deductions.
Why Melton McFadden?
At Melton McFadden, we partner with multiple insurance carriers to find the best coverage at the most competitive price. Our experts take the time to understand your business and customize a policy that keeps your operations protected.