Business Auto


If you depend on cars, trucks or vans for your daily business, you need business auto insurance. 

Interested in a custom quote for your business?

Who We Protect

Private Passenger Autos

Trucks, Trailers, and Semitrailers

Other Commercial Vehicles

Do you depend on cars, trucks, or vans for your daily business?

If you depend on cars, trucks or vans for your daily business, you need business auto insurance. Whether its owned, leased, hired or borrowed, business auto insurance protects all private passenger autos as well as all trucks, trailers, semi-trailers and commercial vehicles. You can even extend coverage to cover employees driving their own vehicles while conducting business for you. SI will tap our top-rated insurance companies to work through the options and come up with a custom-tailored business auto insurance plan for you.

Businesses auto insurance is similar to personal auto in that you can select various levels of coverage.  Most states have a set minimum amount you must carry, but you can add and adjust other levels to fit your specific business needs. Policy provisions where you can adjust your levels of coverage include:

PA Minimum Liability Insurance Requirements

In the state of Pennsylvania, you must carry bodily injury liability coverage with minimum limits of $15,000 bodily injury (each person) and $30,000 bodily injury (per accident).  You must also carry property damage liability coverage with a minimum limit of $5,000. These PA state required limits are too low when considering the injuries or damage that can occur as a result of an auto accident.  We always recommend that you purchase higher limits of liability. All of our business auto policies carry a $1 million limit of liability.  

By not having adequate coverage you are opening your business up to serious financial risk. We will help you walk through what limits are most appropriate for you to make sure you are protected but not paying too much.

Protecting Your Business Vehicle

Having insurance to protect other people is required (what we talked about above),but having coverage for your own car is not. Depending on the age and type of car some business people choose to not carry comprehensive or collision insurance on their cars. This means that if they were in an at-fault accident the person you hit would be covered but the damage to your car would not. 

 The two coverages that protect your vehicle are comprehensive and collision. 


You cause an accident and destroy your front bumper. You run into your garage door while you are late for work. You slide on ice and hit a road sign scraping the whole side of your car. These are some examples of where collision coverage would come into play. You would be subject to your collision deductible that you choose and then the insurance company would take care of the rest. 


This is sometimes referred to as “other than collision” or everything else such as theft, vandalism, fallen trees, hail, and animals to name a few. Full glass coverage is also available under comprehensive, which means that if you would need a new windshield because of a rock, that would be covered.

*The higher the deductibles carried the lower the vehicle premium.

What Our Clients Say

“Miriam Graham was wonderful.  Almost all of my correspondence was done through email.  She addressed any concerns I had and answered all my questions.  Not to mention she got me a very affordable deal on auto insurance. If you are looking for any type of insurance, look Miriam up. I highly recommend Susquehanna Insurance.”

– Ronald Axe

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Other options to consider

  • Uninsured/Underinsured Motorist – New research suggests that 1 in 8 drivers in the US are uninsured. What happens if you were in an accident and injured by someone who doesn’t have insurance or doesn’t have enough? This is where UM/UIM coverage steps in and covers your medical expenses if you are injured. There are different amounts and options of UM/UIM coverage and its important to talk with your agent about which might be best for you.
  • Medical Payments – This coverage will pay reasonable expenses for injuries to you, or your passengers in an accident regardless of who is at fault. This coverage will help pick up where health insurance falls short, and it can even help with co-pays.  
  • Income Loss – This coverage helps injured drivers and passengers recover lost wages after an accident.  
  • Funeral Expenses  The costs of a funeral can be significant.  Funeral coverage can help by paying up to $2,500 toward and funeral expenses if a driver dies from car-accident-related injuries.  
  • Accidental Death – If a policyholder or other driver on the policy dies of accident-related injuries, accidental death coverage will provide an specific benefit amount to the beneficiary.
  • Extraordinary Medical Benefits  This additional medical coverage provides an additional $1,000,000 of extraordinary medical benefit.
  • Other options  Talk to us about vehicle rental, towing and roadside service.

We can get you a quote - are you ready?


Commercial auto insurance covers vehicles that are owned and used for business purposes
Business auto policies cover employees and owners when driving vehicles owned by the business. It provides coverage for bodily injury and property damage that the business is liable for and physical damage coverage for the business’s vehicles.
Best practice is to have enough insurance to protect your business from major losses or lawsuits that would bankrupt your business. Commercial auto policies generally provide $500,000 to $1,000,000 of liability coverage, and at least $5,000 of medical coverage.
The owner of vehicle is a business instead of being titled to an individual. Personal auto policies generally provide more first party benefit options but lower liability limits.
Fulfills legal requirements of the business, protects the business from major lawsuits and damages resulting from an accident.
If you use the vehicle exclusively for business purposes, the insurance premiums can be written off. Consult your accountant for rules and exceptions.