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Commercial Automobile


A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain requirements. It’s not just the registration that determines the requirement for a business automobile insurance policy. Other requirements include ownership by a corporation, use in hauling goods for hire and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial automobile insurance policies are not regulated in pricing, as are personal private passenger policies. There’s a price competition between insurance companies for good commercial automobile coverage.


This website provides a basic summary of the insurance products offered by Martin & Zerfoss. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.



Serving insurance needs since 1978.

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