Commercial Auto Insurance That Keeps Your Business Moving Forward

Whether you’re running a new startup or managing an established enterprise, our Business Insurance protects the assets you’ve built. Stay focused on growing your business—while we keep you covered on the road.

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Business Insurance

Business Insurance

Commercial Auto

Commercial Auto

Trucking

Trucking

Cyber

Cyber

Commercial Property

Commercial Property

General Liability

General Liability

Professional Liability / E&O

Professional Liability / E&O

Malpractice Insurance

Malpractice Insurance

Sport Insurance

Sport Insurance

Workers Compensation

Workers Compensation

Business Owner's Policy (BOP)

Business Owner's Policy (BOP)

Liquor Liability

Liquor Liability

Commercial Umbrella

Commercial Umbrella

Garage Insurance

Garage Insurance

Event Insurance

Event Insurance

Why you Need Commercial Auto Insurance

Commercial auto insurance provides coverage for vehicles used for business purposes. If you or your employees drive for work, this policy offers the protection that personal auto insurance typically doesn’t.

Personal auto coverage usually excludes accidents that occur during business activities — that’s where commercial auto insurance comes in to protect you.

Why Commercial Auto Insurance Matters for Your Business

  1. Personal auto policies exclude business use — ensuring you’re not left uncovered.

  2. Comprehensive protection against accidents, liability, and property damage.

  3. Meets legal and lender requirements to keep your operations compliant and secure.

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Commercial Auto Coverage Options

Safeguard your business vehicles, drivers, and cargo with coverage designed to handle real-world challenges.

Liability Coverage

Liability Coverage

Covers bodily injury and property damage your business may be responsible for.

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× Liability Coverage

Liability Coverage

Covers bodily injury and property damage your business may be responsible for.

This option broadens the definition of total disability to match your specific occupation, covering you for up to 5 years or the full benefit period.

Ideal for:

Professionals such as surgeons, lawyers, or specialists whose expertise is tied to a particular occupation.

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Collision Coverage

Collision Coverage

Pays for repairs to your vehicle after a crash or collision.

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× Collision Coverage

Collision Coverage

Pays for repairs to your vehicle after a crash or collision.

This coverage offers partial income replacement if you can work part-time while recovering from a disability, calculated based on your lost earnings.

Ideal for:

People returning to work gradually after a disability, who can perform limited duties.

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Comprehensive Coverage

Comprehensive Coverage

Protects against non-collision losses such as theft, fire, or weather damage.

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× Comprehensive Coverage

Comprehensive Coverage

Protects against non-collision losses such as theft, fire, or weather damage.

This option provides extra benefits if you experience a serious disability, such as the loss of two or more daily activities (ADLs) or cognitive impairment.

Ideal for:

Individuals who want added security against major, life-changing disabilities.

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Medical Payments

Medical Payments

Helps cover medical expenses for drivers and passengers after an accident.

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× Medical Payments

Medical Payments

Helps cover medical expenses for drivers and passengers after an accident.

Provides a one-time lump sum payment when you’re first diagnosed with certain serious illnesses, such as cancer, heart attack, or stroke.

Ideal For:

People looking to safeguard their finances against the costs of major health events.

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Provides protection if you’re hit by a driver with little or no insurance.

Provides protection if you’re hit by a driver with little or no insurance.

Covers medical costs and lost wages for job-related injuries—required in most states once you hire employees.

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× Provides protection if you’re hit by a driver with little or no insurance.

Provides protection if you’re hit by a driver with little or no insurance.

Covers medical costs and lost wages for job-related injuries—required in most states once you hire employees.

Delivers a lump-sum payment if an injury causes total disability within 30 days and persists through the elimination period.

Ideal for:

Individuals seeking quick financial support after an accidental injury.

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Hired Auto Coverage

Hired Auto Coverage

Covers vehicles your business rents, leases, or borrows for work use.

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× Hired Auto Coverage

Hired Auto Coverage

Covers vehicles your business rents, leases, or borrows for work use.

Lets you raise your coverage at designated times without needing extra medical exams.

Ideal for:

Young professionals expecting their income to grow over time.

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Non-Owned Auto Coverage

Non-Owned Auto Coverage

Extends protection to employee-owned vehicles used for business purposes.

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× Non-Owned Auto Coverage

Non-Owned Auto Coverage

Extends protection to employee-owned vehicles used for business purposes.

Returns a portion of premiums if the policy is canceled, lapses, or when you reach age 65, after accounting for any claims paid.

Ideal for:

Those who want some financial return if no claims are filed.

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Towing & Labor

Towing & Labor

Covers roadside assistance and towing when your vehicle breaks down.

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× Towing & Labor

Towing & Labor

Covers roadside assistance and towing when your vehicle breaks down.

Automatically boosts your monthly benefit by 5% each year during the benefit period, up to twice the original amount.

Ideal for:

Individuals worried about inflation reducing the value of their benefits over time.

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Rental Reimbursement

Rental Reimbursement

Pays for a rental vehicle so you can stay on the road after a covered loss.

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× Rental Reimbursement

Rental Reimbursement

Pays for a rental vehicle so you can stay on the road after a covered loss.

Ensures that your premiums remain fixed and your coverage cannot be canceled by the insurer until age 65.

Ideal for:

Individuals looking for predictable, long-term stability in their insurance plan.

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Cargo & Equipment Coverage

Cargo & Equipment Coverage

Optional protection for the tools, materials, and goods your vehicles carry.

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× Cargo & Equipment Coverage

Cargo & Equipment Coverage

Optional protection for the tools, materials, and goods your vehicles carry.

Ensures that your premiums remain fixed and your coverage cannot be canceled by the insurer until age 65.

Ideal for:

Individuals looking for predictable, long-term stability in their insurance plan.

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Get Custom Coverage

Tailored Coverage for Every Industry

Construction & Contracting

Construction & Contracting

Coverage for contractors, electricians, plumbers, HVAC technicians, and other skilled trade professionals.
Delivery & Logistics

Delivery & Logistics

Protection for couriers, freight carriers, last-mile delivery, and trucking operations.
Landscaping & Lawn Care

Landscaping & Lawn Care

Insurance designed for landscaping, lawn maintenance, and groundskeeping vehicles.
Cleaning Services

Cleaning Services

Covers commercial and residential cleaning fleets on the move.
Real Estate & Property Management

Real Estate & Property Management

Protection for agents, brokers, inspectors, and property management vehicles.
Sales & Service Professionals

Sales & Service Professionals

Ideal for consultants, pharmaceutical reps, and outside sales teams.
Retail & Wholesale

Retail & Wholesale

Covers company vehicles used for product delivery and distribution.
Healthcare & Medical Services

Healthcare & Medical Services

For home health aides, mobile clinics, and patient transportation vans.
Food & Beverage

Food & Beverage

Coverage for catering businesses, food trucks, and beverage distributors.
Manufacturing & Supply

Manufacturing & Supply

Protects vehicles transporting goods, raw materials, and equipment.
Nonprofits & Community

Nonprofits & Community

Insurance for outreach programs and community transport services.
Government & Municipalities

Government & Municipalities

Covers utility, service, and transportation fleets supporting public operations.
Agriculture & Farming

Agriculture & Farming

Coverage for farm trucks, transport vehicles, and equipment haulers that keep your operation running smoothly.
Commercial Auto Insurance Made Simple
Keep your business moving with coverage built for company cars, trucks, and entire fleets.

Commercial Auto Insurance Made Simple

  • Protect Your Vehicles – Coverage that keeps your business assets secure.

  • Safeguard Drivers & Cargo – Comprehensive protection for your team and their haul.

  • Custom Coverage for Fleets – Flexible plans tailored to fit your business needs.

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Let’s Protect Your Business

Your time matters — let IDR provide fast, affordable coverage that grows and scales with your business.

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Expert Guidance Whenever You Need It

Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.

File A Claim

Start the process of reporting an insurance claim.

1 File A Claim

Update My Policy Info

Modify contact, coverage, or account details.

2 Update My Policy Info

Upload Document

Send us necessary documents securely online.

3 Upload Document

Policy Review Request

Request a full review of your current policy.

4 Policy Review Request

Schedule A Call

Book a call with your insurance advisor.

5 Schedule A Call

Real Client Feedback

Trusted by customers worldwide for dependable service and exceptional results.

“IDR Insurance made everything simple. Signing up was quick, and when I filed a claim, the process was smooth and stress-free.”

Sarah Mitchell

1

“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”

James Carter

1

“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”

Emily Johnson

1

“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”

Michael Thompson

1

Frequently Asked Questions

Do I really need commercial auto insurance if I already have personal auto insurance?

Yes. Personal auto insurance typically excludes coverage for business use. If you get into an accident while driving for work, your personal policy may deny the claim.

Who needs commercial auto insurance?

Any business or self-employed professional who owns, leases, or uses vehicles for work. This includes contractors, delivery drivers, real estate agents, landscapers, caterers, and more.

What vehicles can be covered under a commercial auto policy?

Cars, vans, pickup trucks, box trucks, food trucks, semi-trucks, and even trailers depending on your insurer and business needs.

How much does commercial auto insurance cost?

It varies based on factors like the type of vehicle, number of drivers, driving records, location, and coverage limits. On average, small business policies may start as low as $100–$200 per month per vehicle.

Can employees use their personal cars for work under my policy?

Not automatically. You’d need “Non-Owned Auto Coverage” to protect your business if employees use their own vehicles for business errands (like deliveries or client visits).

Talk to a Real Agent

Talk to a Real Agent

Call, text, or click. We’re ready when you are.

Call: (636) 556-5555, (314) 499-8888

Mail: support@idrinsurance.com

Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005

Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368