Commercial Auto Insurance for Hawaii Businesses

Protect Your Business Vehicles, Drivers, and Operations

Whether you're using a single van for deliveries or managing a fleet of work trucks, commercial auto insurance is essential. We help Hawaii businesses stay protected on the road with coverage for vehicles used in day-to-day operations. From liability to collision and more, our policies are designed to fit how your business drives.

What Commercial Auto Insurance Can Cover

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Liability Coverage

Covers bodily injury and property damage to others in the event of an accident involving your business vehicle.

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Collision and Comprehensive

Pays for damage to your vehicle from accidents, weather events, theft, or vandalism.

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Hired and Non-Owned Auto

Provides protection for vehicles your business rents or for employees' personal cars used for work purposes.

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Medical Payments and Uninsured Motorist

Helps cover medical costs and damages if your driver is injured or hit by someone without insurance.

Common Questions About Commercial Auto Insurance

  • What qualifies as a commercial vehicle?

    Any vehicle used primarily for business purposes qualifies. This includes cars, vans, trucks, and specialty vehicles used for transporting goods, making deliveries, driving clients, or carrying tools and equipment.

  • Do I need commercial auto insurance if I use my personal car for work?

    Yes. Personal auto insurance usually does not cover accidents that occur while using your car for business tasks. A commercial auto policy or a hired and non-owned auto endorsement helps fill that gap.

  • Is this required by law in Hawaii?

    If your business operates vehicles on public roads, Hawaii requires you to carry at least the state minimum liability insurance. However, most businesses benefit from broader protection to cover vehicles, drivers, and potential lawsuits.

  • Can I cover multiple vehicles under one policy?

    Yes. We offer flexible options for small fleets or businesses that own or lease multiple vehicles. Fleet policies can simplify billing, streamline coverage, and reduce costs.

  • How is pricing determined for commercial auto insurance?

    Premiums are based on factors like the number and type of vehicles, how they’re used, your business location, driver records, and coverage limits. We’ll compare plans from top carriers to find the right fit for your business.