Commercial Auto Insurance in Mississippi

Coverage details

What commercial auto covers

Commercial auto insurance covers vehicles owned by or used for your business. It provides higher liability limits than personal auto and covers situations personal policies exclude — like hauling tools, transporting goods, or having employees drive your vehicles.

Liability coverage

Pays for injuries and property damage your business vehicle causes in an accident. Mississippi requires minimum liability limits, but most businesses need more than the state minimum.

Physical damage (collision & comprehensive)

Covers damage to your own vehicle from accidents, theft, storm, fire, and other covered causes — including the tools and equipment inside.

Hired and non-owned auto

Covers rented vehicles and employee-owned vehicles used for business purposes — important for businesses where employees sometimes use their own cars.

Uninsured/underinsured motorist

Protects your driver if they're hit by someone with no insurance or not enough coverage. Mississippi has a significant percentage of uninsured drivers.

Fleet coverage

If you have multiple vehicles, we can write a fleet policy that covers them all — often more efficiently than individual policies per vehicle.