May 28th, 2024

Commercial Auto / Business Auto / Hired Auto - Liability Insurance

AMIS has commercial auto insurance coverage you need.

Your industry poses challenges, customer demands, increased competition and constant change. In addition, the growing number of lawsuits in your industry means you have to take greater care than ever before in dealing with customers and employees. Any number of situations can pose serious financial threats to your company. Finding the right coverage and controlling your losses are important to you and your bottom line. You need an insurance carrier with a proven track record for the long haul.

On any given workday, you may have employees on the road operating a variety of vehicles. Whether you provide company vehicles or your employees use their own vehicles, commercial auto insurance is a must — in fact, it's required in most states.

Commercial auto insurance provides coverage for cars, trucks and vans used by you or your employees for business purposes. Your business vehicles are not covered by your business owners policy or personal auto insurance, so you must buy a separate policy. They should be written as Business/Personal use through a commercial auto policy.

AMIS will help you find the coverage that will best meet your needs

Our AMIS staff is here to work with you to provide the coverage you need for your business. When you work with our staff of insurance brokers you will receive:

At AMIS, our agency founder has over 42 years in the insurance industry. Most of our staff Insurance Brokers have been with AMIS between 7 and 20 years.

We’ve spent years as an independent insurance adjuster, and our insurance suppliers have spent years providing insurance coverage for businesses like yours. They have designed commercial auto insurance programs that provide many of the key coverages and services that you and your company need. The insurance companies we work with target businesses with class codes such as manufacturers, distributors, installers, and repairers of specialized truck equipment.

The insurance companies provide commercial auto insurance for your operation's vehicles, they automatically cover your business vehicles, and they can extend coverage to your employees while operating their own autos on the job. They also include valuable lease gap protection, sometimes at no extra charge. This means that in the event of a total loss to one of your covered autos, they will pay the outstanding balance of the lease if it exceeds the actual cash value of the auto.

Commercial Auto Insurance Coverage Highlights

Here are just some of the coverages that are especially valuable to your business:

  • Hired auto physical damage:
    If you purchase physical damage and liability coverage for your owned autos, The Hartford will also cover physical damage to any auto your company rents, loans, or leases, up to a $50,000 limit.
  • Hired auto foreign country:
    If your employees rent autos outside the U.S., they are automatically covered for liability.
  • Employees as additional Insureds:
    If your employees use their own autos to conduct business or personal activities for you, they are covered for liability.
  • Newly acquired organization:
    If you acquire a new entity as a majority owner, they will automatically cover any autos owned by the newly-acquired entity for up to 180 days.
  • Wavier of subrogation rights:
    If you have a written contract stating that you waive your right to sue a third party, The Hartford will agree to waive their right to recover damages from them.
  • Rental car costs:
    If you elect physical damage coverage on your policy, and a covered private passenger auto is stolen, The Hartford will reimburse you up to an additional $30 per day for the cost of a rental car. (Maximum limit is $400.)
  • No deductible on glass repairs:
    If you elect their comprehensive physical damage coverage, The Hartford will waive the applicable physical damage deductible if you have the damaged glass repaired instead of replaced.

We can also write Dry Vans; Reefer (no swinging meat); Flatbed (no coiled steel on accounts less than 15 units and no long haulers); Tanker (if the account requires pollution release coverage, we will require that the insured obtain a seal policy).

Please note: Coverage will very by Insurance Company. We only offer policies that meet all the underwriting guildelines.

Why choose AMIS/Alliance Marketing & Insurance Services

With commercial auto insurance underwritten through AMIS as your agent, you get the convenience of having a national agency and the coverages you need in one package at a competitive price. And you have peace of mind knowing that your business is protected by a financially stable insurance company with excellent financial ratings. Give AMIS/Alliance Marketing & Insurance Service a call!

NOTE: Some coverage may not be available in all states.

Application Information - Request a Quote

For many of our coverages you can quickly request a quote using our online quick-quote forms. At the bottom of each quick quote form you can indicate the urgency of your request. If you have any questions, please call or email the person indicated in the contact area for this coverage.

NOTE: All applications must be underwritten and a quotation will be issued subject to underwriting guidelines. THE QUOTE DOES NOT BIND COVERAGE.


Commercial Auto Application Form - Quick Quote or PDF

Preferred Method  
Secure Online Quick-Quote ApporPDF Application Form
Complete online for a faster response Complete and fax to our office
Online Quick Quote FormsPDF Application Forms
You will need to provide an email address with the Online Quick Quote form. If you do not use email, please use the PDF application form instead.
  • Complete the Online Form
  • Indicate the urgency of your request at the bottom of the form.
  • Click the "Submit" button to send us your request.
To protect your privacy, please DO NOT EMAIL PDF application forms to us.
  • Complete the PDF application forms on your computer.
  • Print the applications
  • Sign the applications
  • Fax the completed form and any other materials to: (760) 471-9378 or (800) 573-8550.

Contact Us

Your AMIS representative is Sean Nowell. Please call him at
(800) 843-8550 or (760) 471-7116, or email him using the link below.

For Commercial Auto applications:

Contact: Sean Nowell

Request a Quote


Go to the Application Center

Insurance Programs