Commercial Auto Insurance

Those enterprises whose main operation is the transportation of goods are not the only ones who require insurance for their company vehicles. If in the course of business you make deliveries, transport clients, offer a service which requires your employees to drive to different job sites, even if you simply offer company cars as perks for employees, you need commercial auto insurance. With all the different carriers and options, though, figuring out which commercial auto insurance policy is best for your business can be tricky. For every client, we take the time to explain all the available options and find the best prices.

Types of Commercial Auto Insurance Coverage

Like your personal auto insurance, a commercial auto insurance policy will have basic coverages that nearly all policies have, along with options for additional coverages which your RNI agent will discuss with you to ensure that you have the policy best tailored to the unique needs of your business. Important coverages that your RNI agent will always recommend include:

  • Liability Coverage: Most states require that all commercial vehicles have liability coverage which pays for medical treatment or property damage costs in the event you or one of your employees is at fault in an accident.
  • Collision Coverage: This type of coverage will pay for repair or replacement costs to your own vehicle in the event of an accident.
  • Comprehensive Coverage: Comprehensive coverage protects you if your vehicles are damaged in an incident other than an accident on the road. Some examples include theft, vandalism, fire and severe weather.

How much commercial auto insurance coverage you need and the associated cost will depend on your number of employees, number of company vehicles and the nature of your operations. RNI is here to learn about your business and help you navigate what commercial auto insurance policy will get you the best combination of coverage and affordability.

Complete the brief form you see to the right, and someone will contact you within 24 hours to walk you through what commercial auto insurance policy would work best for your business. We pride ourselves on integrity and offering each of our clients personalized service. Once you’re an RNI client, we promise to use our knowledge and expertise to guide you toward success the same way we would our own business. Let’s get started!

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Dear Mr. Nelson, Wow! What a pleasure to meet you! You really surprised us by coming to our little company. It is such a welcoming feeling to know the ladies we usually deal with have such a gentleman to work for. We enjoyed having full circle of help for our company. Although we may be small, hopefully we will grow. We really enjoyed Cathy and her information. Please stop by anytime. Thank you for lunch too. Many thanks, Cecila


I’ve got nothing but good things to say about Raymond Nelson Insurance Agency Inc., my Agent, Linda Wood and the team at RNI. I had lost all faith in insurance companies until that disaster with a former agency. Linda Wood at RNI stepped in and picked me up when I was down and restored my faith in Insurance Agents. There are some really great people out there who truly do appreciate my Business.

Billy Fannin

The last thing you want to have to worry about after a catastrophic event is the timeliness of your insurance company to put things back to normal in your life.

In June of 2019, our family, by the grace of God, survived a horrific tornado, however our home, car, workshop and personal belongings did not. After the initial shock, we immediately called to report our claim. We are insured with Raymond Nelson Insurance and Safeco and within minutes of us filing the claim, we were contacted by an adjuster. One adjuster drove from Louisville and the other from Cincinnati the next morning to sit down and discuss the next steps of getting our lives back in order.

They made us feel like a part of their family. On a scale of to 10 we will definitely give them a 10.5! We never had to question them about anything and trusted them 100%. We are recommending Raymond Nelson Insurance to our friends and family!

Alicia & Bryant Bond

Thanks for all of your work on our insurance! Have an awesome day!

Kristi and Larry / CHT, LLC