Commercial Auto Insurance Wisconsin

Why You Need Commercial Auto
Mechanic in grey overalls inspecting car dashboard, holding clipboard.

Coverage For Business-Use Vehicles

If a vehicle is owned by your company or used primarily for work, a personal auto policy may not respond to a claim. Commercial auto insurance covers business driving across Jackson, West Bend, and Milwaukee County. T4 Insurance Solutions structures policies for sales cars, service vans, and small fleets so you can operate with confidence.

Vehicles We Cover
Semi-trucks parked in a gravel lot on a sunny day. White and blue cabs. Buildings in background.

From Sales Cars To Service Trucks

We insure company sedans, pickups, cargo vans, box trucks, food trucks, and specialty rigs. Sole proprietors who use personal pickups for work often need commercial auto as well. Our team will review titles, garaging locations, and drivers to set the policy correctly.

Key Coverages
Woman in a suit showing a clipboard to a man, standing next to a car in a dealership.

Liability, Physical Damage, And More

Liability coverage pays for injuries or property damage you cause to others while on business. Physical damage coverage includes collision and comprehensive for your vehicles. Uninsured motorist and medical payments protect your drivers, and hired or non-owned auto can address employee errands in personal cars or short-term rentals.

Get The Right Policy For Work

Business driving often involves multiple drivers, higher mileage, and signage or equipment. Commercial auto is built for these exposures and allows higher liability limits. We will explain differences so you do not rely on a personal policy that may exclude business use.

Guidance For Wisconsin Operators

  • Do I need commercial auto if I just drive to job sites

    If the vehicle is titled to your business, carries tools, or is used extensively for work, commercial auto is recommended. Personal insurers can deny work-related claims. We will review your usage and advise.

  • Are employees using their own cars a risk for my business

    Yes, if they cause an accident on a work errand, your business can be named in a claim. Hired and non-owned auto coverage protects the company for this exposure. We can add it to your program.

    Update My Policy

  • Does commercial auto cover tools in the vehicle

    The auto policy covers the vehicle and liability, not most cargo or tools. Inland marine or equipment coverage can protect those items. Ask us to pair the right policies.

  • Can I bundle commercial auto with other policies

    Many carriers offer account credits when you place auto with a BOP or general liability. Bundling can streamline billing and certificates. We will compare combined pricing.

Local Quotes, Quick Proof Of Insurance

T4 Insurance Solutions issues ID cards and certificates fast so your crews can hit I-41 or Highway 60 with confidence. Share driver lists and VINs for an accurate commercial auto quote.