Commercial Auto Insurance in Toledo, WA

Delivery truck with boxes.

Keep Your Business Rolling, Rain or Shine

If your business owns or operates a vehicle, commercial auto insurance isn’t just a good idea—it’s essential. Whether you’re hauling equipment to a job site in Winlock, delivering supplies around Toledo, or driving between clients across Lewis County, your business vehicles need the right coverage.


We help small businesses throughout Southwest Washington get commercial auto insurance tailored to their real-world driving risks. From a single work truck to a small fleet of vans, we’ll match your vehicles to a policy that makes sense for your business and budget.

What Does Commercial Auto Insurance Cover?

More protection than a personal policy

Commercial vehicles face different risks—and need broader coverage—than personal cars. A business auto policy protects your vehicles, your drivers, and your business assets in case of an accident, theft, or liability claim.

Man smiling in the driver's seat of a blue semi-truck, sunny day.

Coverage Highlights

  • Liability Insurance: Covers bodily injury or property damage you cause to others while driving for business.
  • Physical Damage Coverage: Pays to repair or replace your vehicle after a crash, fire, vandalism, or theft.
  • Hired & Non-Owned Auto: Covers vehicles your employees use for work that aren’t owned by your business.
  • Medical Payments & Uninsured Motorist: Helps with injuries to your driver and passengers.
Hand truck with boxes on a pallet being loaded into a truck in a sunny outdoor setting.

Who Needs Commercial Auto Insurance in Washington?

If your vehicle helps you make money—it probably qualifies

If you drive for business purposes—even just part of the time—you likely need commercial auto coverage. A personal policy typically won’t cover accidents that happen during work use.


We help insure all kinds of vehicles, including pickup trucks, utility vans, flatbeds, trailers, and light-duty fleet cars.

Businesses That Often Need It

  • Contractors & Construction Crews: Moving tools, supplies, and workers between job sites.
  • Landscaping & Lawn Care Companies: Pulling trailers and hauling equipment to properties.
  • Mobile Service Providers: Electricians, HVAC techs, plumbers, pest control, and repair techs.
  • Delivery Services: Food trucks, courier vans, and local delivery businesses.

Local Help, Fast Certificates, Real People

Commercial auto coverage that works with how you work

Need a certificate of insurance for a contract? Adding a new vehicle to your policy midweek? We get it. At our agency, you’ll talk to someone local who understands your business—not a national call center.


We’ll help you review your driving exposures, select smart coverage limits, and get the paperwork you need fast. And as an independent agency, we’ll shop multiple carriers to help you save.

Man with tablet stands near white semi-trucks, likely checking or recording information.

Your Work Vehicle Questions—Answered

What Business Owners Ask About Commercial Auto

Simple answers to common coverage concerns

  • Can’t I just use my personal auto insurance?

    In most cases, no. If you’re using a vehicle for work, your personal insurer may deny a claim. Commercial auto is built for business risks.

  • Do I need this for just one work truck?

    Yes. Even single-vehicle businesses need proper commercial coverage.

  • What does ‘hired and non-owned’ mean?

    It covers vehicles you rent or that employees use for business purposes but aren’t owned by your company.

  • How much does it cost?

    It depends on the type of vehicle, driving history, coverage limits, and use. We’ll get quotes from multiple companies to help you compare.

  • Can I add a trailer to my commercial auto policy?

    Usually yes, depending on the size and use. We’ll walk you through what’s eligible.

Let’s Keep Your Business on the Move

Call (360) 864-8844 to talk with a local agent who gets how your business runs—and what your wheels need to stay protected.