Your Work Truck Is a Business Asset. Insure It That Way.
If your vehicle hauls tools, carries crew, or drives to job sites, your personal auto policy may not cover it when it counts. Logan Insurance Agency helps Hocking County businesses get commercial auto insurance that actually matches how their vehicles are used — with access to multiple carriers so you're not stuck with one rate.
Most business owners discover the gap between personal and commercial auto coverage the hard way — after a claim is denied. A personal auto policy is designed for commuting and personal errands. The moment a vehicle is being used for business purposes at the time of an accident, many personal policies exclude the claim entirely. Commercial auto insurance closes that gap with coverage built around how your vehicles actually work.
What Commercial Auto Insurance Covers — and Why It's Different
Liability Coverage
Covers bodily injury and property damage your vehicle causes to others while being used for business. This is the foundation of any commercial auto policy — and the coverage most likely to be denied under a personal policy when the vehicle was in business use at the time of the accident.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
Physical Damage — Collision and Comprehensive
Covers damage to your own vehicles. Collision pays when your truck or van is damaged in an accident. Comprehensive covers theft, fire, weather events, and other non-collision losses. For contractors and tradespeople, a work truck out of service means lost revenue — physical damage coverage keeps a claim from becoming a cash flow problem.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
Uninsured and Underinsured Motorist Coverage
Covers your driver and vehicle if the at-fault party carries no insurance or not enough. Ohio has a meaningful percentage of uninsured drivers on the road, and a business vehicle hit by one of them shouldn't leave you absorbing the cost.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
Hired and Non-Owned Auto Insurance (HNOA)
HNOA covers your business's liability exposure when employees use their own vehicles — or rented vehicles — for work tasks. If an employee runs a work errand in their personal car and causes an accident, your business can face a liability claim. Their personal policy covers their own damages, but your business is exposed. HNOA fills that gap, and it's one of the most commonly overlooked coverages in small business insurance portfolios.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
Who Needs a Commercial Auto Policy in Ohio
Commercial auto insurance in Logan, Ohio applies to a broader range of businesses than most owners expect. You likely need a commercial policy if any of the following describes your situation:
- You use a truck, van, or SUV to haul tools, equipment, or materials to job sites
- Employees drive company-owned vehicles as part of their regular duties
- Employees use their own vehicles to make deliveries, run errands, or travel between job sites for your business
- You operate multiple vehicles and need fleet coverage under a single policy
- Your vehicle is titled to a business entity rather than an individual
- You use a vehicle to transport clients, customers, or passengers for compensation
Contractors, landscapers, plumbers, electricians, HVAC technicians, and delivery-dependent businesses are among the most common commercial auto clients we work with in Hocking County. If your vehicle works for your business, it needs a policy that works the same way.
We Shop Commercial Auto Rates Across Multiple Carriers
Commercial auto premiums vary more than most business owners realize — the same vehicle, driver history, and coverage level can produce meaningfully different quotes depending on which carrier is pricing the risk. As an independent agency, we work with multiple carriers and compare options on your behalf.
We place commercial auto coverage through carriers including Progressive, Auto-Owners, Cincinnati Insurance, and West Bend, among others. That range gives us real options when we're building your policy — not a single rate from a single company.
Business Insurance Coverage That Works Alongside Your Commercial Auto
Commercial auto is one piece of a complete business insurance portfolio. Many of our clients in Hocking County combine their commercial auto coverage with other policies to address the full range of exposures their business carries.
Contractors and tradespeople often pair commercial auto with contractor insurance for tools, equipment, and general liability. Businesses with a physical location may benefit from a business owner policy that bundles property and liability coverage. If your business operates vehicles with higher liability exposure, a commercial umbrella policy adds a meaningful layer of protection above your primary limits.
Common Questions About Commercial Auto Insurance in Ohio
When does my personal auto insurance not cover a business accident?
Most personal auto policies exclude coverage when the vehicle is being used for business purposes at the time of a loss. If you're driving to a job site, hauling materials, or making a delivery when an accident occurs, your personal insurer may deny the claim on the grounds that the vehicle was in commercial use. The exclusion applies regardless of whether you use the vehicle for personal purposes the rest of the time.Do I need commercial auto insurance if my employees drive their own cars for work?
Your employees' personal auto policies cover their own vehicles — but your business can still face liability if one of them causes an accident while running a work errand. Hired and non-owned auto insurance (HNOA) covers that business liability exposure. It doesn't replace your employees' personal policies; it covers the gap your business faces when their vehicles are being used on your behalf.What is hired and non-owned auto insurance?
Hired and non-owned auto (HNOA) is a liability coverage that applies when your business uses vehicles it doesn't own — including employee-owned vehicles and short-term rentals used for business purposes. It covers your business's liability exposure in those situations, not physical damage to the vehicles themselves. Many small businesses carry it as an endorsement on their general liability or BOP policy, though it can also be written as a standalone coverage.Does commercial auto insurance cover fleet vehicles in Ohio?
Yes. Commercial auto policies can be structured to cover a single vehicle or an entire fleet under one policy. Fleet coverage typically applies when a business operates five or more vehicles, though some carriers will write fleet-style policies for smaller numbers. Consolidating vehicles under one commercial policy simplifies renewals, claims, and certificate management.How much does commercial auto insurance cost for a small business in Ohio?
Commercial auto premiums depend on the number and type of vehicles, the driving records of anyone operating them, the nature of the business, how the vehicles are used, and the coverage limits you select. Rates vary significantly by carrier, which is why working with an independent agency that can compare multiple markets tends to produce better outcomes than going directly to a single insurer. We can provide a quote once we understand your vehicle profile and how your business uses them.
Talk to Logan Insurance About Your Business Vehicles
We've been helping businesses in Hocking County get the right coverage since 1959. Whether you're a contractor running a single work truck or a business managing multiple vehicles and drivers, we'll compare options across our carrier portfolio and put together a policy that fits how your business actually operates. Reach us at 740-385-8575 or request a quote online to get started.