Commercial Auto Insurance

Choose the agent who knows the policy that’s right for you.


Commercial Auto is similar to personal auto insurance. For instance, it covers the liability of driving, medical payments, physical damage, and uninsured motorist coverage. 

  • Auto Liability Coverage can help pay for property damage or bodily injury that is a result of your negligence. We recommend at least 1 million dollars of coverage.
  • Medical Payments can cover medical bills if you or your passengers are injured in a crash regardless of who is at fault.
  • Physical Damage Coverage, also known as comprehensive and collision insurance, can pay for repairs if your vehicle is damaged in a crash, by an object, or from certain weather events.
  • Uninsured Motorist Coverage can help pay for damage to your vehicle or bodily injuries you suffer if someone who doesn’t have insurance hits your vehicle. 

But there are some important differences between commercial and personal auto coverage. With commercial insurance there are no incidental drivers. That means you cannot loan your car to your kids, neighbors, or even your spouse unless they are specifically listed on your policy. If not, they will not be covered. 

Do you think you need commercial? Do you use your car for work? Ask yourself if you use your car for deliveries, appointments, hauling tools and equipment, transporting clients? Do you have a sign on your vehicle advertising your business? If yes to any of these, then you do need a commercial policy for your vehicle.

FACT: Quite often, a commercial auto insurance policy costs less than a personal policy. Let us show you how we can get this done for you the right way for the right price.

Premier Partners

Is Your Insurance Right for You?

Call us at 513-943-4560 or 866-238-7747 toll free. Or fill out this form to schedule your free, no-obligation assessment. 

Premier Partners

Premier Benefits

Finding insurance is hard, tedious work. It’s bad enough that you’ll be on everyone’s email list after filling out your personal information multiple times. Even worse is having to pour through and understand the gobbledygook written by corporate lawyers. And how do you compare apples to oranges? Premier Insurance Services is here to help. Just give us your information once. We’ll compare prices, benefits, services, and the best fit across multiple companies. We do all the work. You get the best possible price and fit.

Do you know the big difference between captive and independent agents? Captive agents have limited options; they can only offer you their own plans, whether they’re a good match or not. Premier is an independent agency. We have relationships with dozens of carriers who have access to hundreds of policies. With Premier, nearly the entire insurance industry is available to you. We’re the right choice, because we give you the most choices. Let our 25 years of building relationships work for you. 

You might be asking, “What the heck is value-based pricing?” Good question. Is it getting the most features for the price… or the best reputation for the price… or maybe its getting faster service, more locations, or unique options. What we mean by it is this: you will get the right coverage at the best price. No more, no less. And with that comes the peace of mind in knowing you’ll be made whole if anything should happen. That’s value-based pricing. 

We all believe we have the right coverage. But how can you be sure? It’s likely your agent gave you the best possible advice and coverage he could. But it’s just as likely that your agent wasn’t able to compare all the companies that see you as their perfect client. Insurance carriers look for certain types of risks…if you fit their particular sweet spot, they can’t be beat. If not, then you’ve been sold a cookie cutter policy that’s costing you a lot more than it should. At Premier, we will find the carrier that sees you as its sweet spot. Our reputation is built on that promise.