Protect the vehicles that move your business.
From a single contractor van to a multi-vehicle fleet, Lux structures commercial auto coverage that fits your operation — not a generic template.
What's typically included
Personal auto policies exclude business use — these are the coverages a commercial policy combines.
- Liability — bodily injury & property
- Collision
- Comprehensive (theft, weather, fire)
- Uninsured/underinsured motorist
- Hired & non-owned auto
- Medical payments
- Drive-other-car (DOC)
- Waiver of subrogation
Commercial auto FAQ
Can I just add my work van to my personal auto policy?
Almost never. Personal policies exclude business use. If your van is titled to the business, used to transport goods or paid passengers, or marked with signage, you need a commercial policy.
Do I need hired & non-owned auto coverage?
If employees ever drive their own vehicles (or a rented one) for business, yes. It protects your business when their personal coverage isn't enough.
What liability limits should I carry?
Most contracts and leases require at least $1M combined single limit. For high-exposure operations or fleets, we typically recommend stacking a commercial umbrella on top.
How fast can I get a certificate of insurance?
Same day, in most cases. Send us the certificate-holder details and we'll have it issued within hours.
Cover the vehicles that drive your business.
Tell us about your fleet and use — we'll price it accurately across carriers.