Commercial Auto Insurance
For Fleet & Business Vehicle Coverage
Protection for Business-Owned, Work, and Fleet Vehicles
If you use vehicles for business, whether it's a single work truck, a fleet of service vans, or employees driving for deliveries, you need commercial auto insurance.
Personal policies rarely cover business use, so claims can be denied if you're not properly insured. Gateway Insurance quotes policies for contractors, service companies, delivery businesses, real estate/property management, and more in Bismarck, Mandan, and surrounding areas.
Key Protections for Businesses
Commercial Auto Liability
Covers injuries or property damage if you or an employee cause an accident while using a business vehicle.
Physical Damage Coverage
Coverage for repairs or replacement if a covered vehicle is damaged (collision, fire, hail, theft, vandalism).
Hired and Non-Owned Auto
Protects your business when employees drive their own vehicles or rental cars for work.
Medical Payments/Personal Injury
Covers driver and passenger medical bills (subject to limits).
Uninsured/Underinsured Motorist
Pays if your business vehicle is hit by a driver with little or no insurance.
Rental Reimbursement & Towing
Options to cover business downtime if a vehicle is out of service.
Coverage Built for
Your Business Use
Personal auto only covers personal (not-for-business) driving
Commercial auto is built for business use, employee drivers, commercial vehicle classes, signage, tools/equipment, and multi-vehicle fleets
Claims for business accidents can be denied on personal policies
Gateway reviews your risks and recommends EPLI where general liability or a BOP leaves gaps.
Business Vehicle Insurance for Every Operation
Contractors, construction, trades
Delivery services and couriers
Real estate and property management
Service companies and fleet operators
Towing, transport, and logistics
Checklist for Commercial Auto Quotes
Vehicle info: year, make, model, VIN, use, signage
List of all drivers (with license numbers)
Garaging address (Bismarck, Mandan, etc.)
Radius of operation and common travel routes
Hauling/towing details (if any)
Loss history (past claims, tickets)
Gateway can quote your current policy out, add, or remove vehicles and update drivers.
Coverage Built for
Your Business
Frequent highway driving, winter ice, and county routes can make business auto driving riskier. Gateway matches your policy to your routes, drivers, and seasonal exposures for confident coverage year-round.
Commercial Auto Insurance-Questions Answered
Do I need commercial auto for a work truck?
Yes-if the truck is used for business, get a commercial auto policy for your business protection.
What's the difference between personal and commercial auto insurance?
Commercial covers business use, multiple drivers, and specialized vehicle risks, personal policies have very limited coverage for business exposures.
Does commercial auto cover employees driving their own cars for work?
Not automatically-ask about hired and non-owned auto coverage.
How do I insure multiple business vehicles?
Fleet policies or scheduled vehicles, let Gateway review your operation with your business vehicle list to find the best fit.
Fleet, Truck, and Work Vehicle Protection
Get a Commercial Auto Quote
Gateway Insurance simplifies business vehicle coverage: local service, multiple carriers, and ongoing policy support as your fleet grows or changes.