Commercial Auto Insurance in St. Charles County

When a work truck, van or company car needs its own policy, and what that policy covers.

Opening soon · Not yet quoting or selling insurance

When a personal policy isn't enough

Personal auto policies are written for personal driving. Many exclude or limit coverage when a vehicle is used for business, and that gap usually isn't discovered until there's a claim.

A vehicle generally belongs on a commercial policy when it is titled to the business, driven by employees, used to haul tools, materials or equipment, used for deliveries, or carries a company name on the door.

Firstway is a new independent agency opening soon in Wentzville. We aren't quoting or selling policies yet.

What commercial auto covers

Liability

Injuries and property damage the driver causes to others. Businesses often carry higher limits than a personal policy would.

Physical damage

Collision and comprehensive coverage for the business's own vehicles.

Uninsured motorist

Injuries to the driver and passengers caused by a driver with no insurance.

Hired and non-owned auto

Liability when employees drive rented vehicles, or their own cars, on business errands.

Work trucks and trailers

Contractors and service companies in O'Fallon, St. Charles and Wentzville tend to run pickups, vans and trailers that double as rolling tool sheds. Two details catch people out.

First, an auto policy covers the vehicle. Tools and equipment inside it usually aren't covered, and need separate tools and equipment coverage. Second, trailers and permanently attached equipment, such as ladder racks, utility bodies or a plow, should be described to the insurer so they are included.

Missouri requirements

Missouri's minimum liability and uninsured motorist requirements apply to business vehicles as well as personal ones; our auto insurance page lists them. Some operations, such as for-hire trucking, face higher state or federal requirements.

For how commercial auto fits with the rest of a business's coverage, see the commercial insurance overview or contractors insurance.

Commercial auto questions

Do I need commercial auto if I use my own truck for work?

It depends on how the truck is used and what your personal policy says. Commuting to one workplace is personal use. Hauling tools and materials to job sites, towing equipment or having employees drive the truck often is not.

Are the tools in my truck covered by the auto policy?

Usually not. An auto policy covers the vehicle. Tools and equipment are typically covered by separate tools and equipment coverage.

What is hired and non-owned auto coverage?

Liability coverage for vehicles the business uses but doesn't own, such as a rental, or an employee's own car on a business errand.

Can Firstway quote commercial auto yet?

No. Firstway isn't open, and we don't quote or sell insurance until we are licensed. Leave your name on this page and we'll contact you when we open.