📍 Massachusetts Licensed
Commercial Auto
Insurance for MA
Businesses
One work van or a full fleet if your business puts vehicles on Massachusetts roads, you need commercial auto coverage. Econosurance gets you quoted and covered the same day.
98%
Same-day approval rate for eligible businesses
60min
Average COI delivery after binding
1000s+
MA businesses insured statewide
4.9★
verage customer rating for speed & service
Who Needs Commercial Auto
If It's Used for Work, Your Personal Policy Won't Cover It
This is the most common mistake Massachusetts business owners make assuming their personal auto policy covers work-related driving. It typically doesn't. Here's who needs commercial auto coverage.
🔧
Contractors & Tradespeople
Plumbers, electricians, HVAC techs, roofers if you haul tools and drive to job sites, your work vehicle needs commercial coverage.
🚐
Service Businesses with Vans
Cleaning companies, landscapers, pest control any business that uses a van or truck to serve customers needs a commercial policy.
📦
Delivery & Courier Businesses
Frequent deliveries to clients or customers? Even a small delivery operation needs commercial auto to be properly protected.
🏢
Businesses with Employee Drivers
If employees drive on behalf of your business in company vehicles or their own you likely need hired and non-owned auto coverage.
🚛
Fleets & Multi-Vehicle Operations
Running two or more business vehicles? Fleet commercial auto policies simplify coverage and can reduce your overall cost per vehicle.
💼
Professionals Who Drive to Clients
Consultants, real estate agents, salespeople if you drive regularly for client meetings or site visits, your business use may not be covered personally.
What's Covered
Commercial Auto Coverage Types
We'll help you find the right combination of coverages for your vehicles, your business, and your Massachusetts requirements.
Coverage 01
Liability Coverage
Covers bodily injury and property damage you cause to others while driving a business vehicle. Required by Massachusetts law for all registered vehicles.
MA Required
Coverage 02
Collision Coverage
Pays for damage to your vehicle from a collision with another vehicle or object regardless of who's at fault.
Recommended
Coverage 03
Comprehensive Coverage
Covers non-collision damage theft, vandalism, weather damage, fire, and other covered events not caused by a crash.
Recommended
Coverage 04
Uninsured Motorist
Protects you if you're hit by a driver with no insurance or insufficient coverage. Required in Massachusetts.
MA Required
Coverage 05
Hired & Non-Owned Auto
Covers liability when employees drive their personal vehicles for business purposes, or when you rent or borrow vehicles.
Common Add-On
Coverage 06
Medical Payments
Covers medical expenses for you and your passengers following an accident, regardless of fault.
Optional
Know the Difference
Personal Auto vs. Commercial Auto
Many Massachusetts business owners don't realize their personal policy excludes business use. Here's what each covers.
| Scenario | Personal Auto Policy | Commercial Auto Policy |
|---|---|---|
| Driving to a job site or client meeting | Sometimes | ✓ |
| Hauling tools or business equipment | ✗ | ✓ |
| Employee driving a company vehicle | ✗ | ✓ |
| Making deliveries to customers | ✗ | ✓ |
| Higher liability limits for business risk | ✗ | ✓ |
| Fleet of 2+ vehicles on one policy | ✗ | ✓ |
How It Works
Quoted & Covered the Same Day
Our licensed underwriters review commercial auto applications the same day. Here's what to expect.
1
Submit your quote request
Tell us about your vehicles, drivers, and business. Takes about 3 minutes.
3 min
2
Same-day underwriting review
A licensed underwriter reviews your application and returns a decision the same day.
Same day
3
Coverage bound upon first payment
Once your first payment is processed, your commercial auto coverage is active immediately.
Same day
4
COI delivered within 60 minutes
Need proof of insurance for a client or job site? Your certificate is issued within 60 minutes of binding.
≤60 min
What Clients Say
Massachusetts Businesses on the Road, Covered.
★★★★★
“I had two plumbing vans and was running on my personal policy. Econosurance sorted out commercial auto for both vehicles the same day I called. Should have done it years ago.”
JP
Joe P.
Plumbing Contractor · Brockton, MA
★★★★★
“My GC required commercial auto proof before I could start the job. Econosurance had my COI to the site manager within an hour of me applying. Didn’t miss a day of work.”
DR
Diana R.
Electrical Contractor · Lowell, MA
★★★★★
“We run a small delivery fleet 4 cargo vans. Getting all of them properly covered through one MA agency made everything much simpler. Econosurance handled it in a single day.”
KS
Kevin S.
Delivery Business · Quincy, MA
Apply Now
Get Your Commercial Auto Quote
Fill out the form below. A licensed Massachusetts agent will review your application and follow up the same day.
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