Tune up your auto protection with Cincinnati's commercial auto insurance

With a wide range of auto coverage options from Cincinnati, you can focus on the road ahead knowing your organization’s auto policy is crafted by an independent agent who understands your business’s needs.

From local main street deliveries to cross-country highway hauls, all businesses need business auto coverage, also called commercial auto insurance. Coverage for your commercial autos can be included in your commercial package policy. Alternatively, you can purchase a separate small business auto policy when a Business Owners policy is purchased.

Also, consider Cincinnati as your partner in fleet vehicle management. Our RideWell Fleet℠ telematics system helps monitor the location, safety and status of your vehicles and drivers. GPS, vehicle health checks and rewards for drivers are included, and these tools can help keep your team and community safe, and your business running smoothly. 

Break time at the work truck

Rev up your coverage with Cincinnati's auto endorsements

Tailor your commercial package policy with a choice of auto endorsements that may include:

  • physical damage and loss of use for hired autos
  • car rental fees when covered autos cannot be used because of an insured loss
  • repair or replacement of airbags that accidentally discharge due to a mechanical or electrical breakdown (applies to autos covered for comprehensive physical damage)
  • loan or lease gap coverage on a covered private passenger auto declared a total loss after a covered claim
  • waiver of the deductible on auto glass, damaged by a covered loss, when repaired rather than replaced
  • liability insurance for your employees when they are conducting business and driving a covered auto that you do not own, hire or borrow
  • increased amounts of insurance on transportation expenses if your private passenger auto is stolen
  • coverage if you accidentally fail to disclose hazards
  • coverage for hired private passenger autos worldwide, when a lawsuit for bodily injury or property damage is brought in the United States
  • an expanded definition of bodily injury that includes mental anguish
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