{"id":6491,"date":"2015-10-20T09:06:49","date_gmt":"2015-10-20T15:06:49","guid":{"rendered":"https:\/\/www.kflynninsurance.com\/missouri\/?page_id=6491"},"modified":"2026-08-11T14:33:46","modified_gmt":"2026-08-11T20:33:46","slug":"commercial-auto-insurance","status":"publish","type":"page","link":"https:\/\/www.kflynninsurance.com\/missouri\/insurance\/commercial-insurance\/commercial-auto-insurance\/","title":{"rendered":"Commercial Auto Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6491\" class=\"elementor elementor-6491\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-26ddf10c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"26ddf10c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-173a13fb\" data-id=\"173a13fb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1765733d elementor-widget elementor-widget-text-editor\" data-id=\"1765733d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.agencyinfo.net\/__ivai\/__ivai_page_styles.css\">\n\n<section class=\"ivx9\">\n\n  <!-- Hero \u2014 copy left, coded artwork right -->\n  <div class=\"ivx9-hero\" data-a=\"1\">\n    <div class=\"ivx9-hero-copy\">\n      <div class=\"ivx9-eyebrow\"><span class=\"ivx9-eyebrow-rule\"><\/span>K. Flynn Insurance<\/div>\n      <h2 class=\"ivx9-headline\">Commercial Auto Insurance <\/h2>\n      <p>As a business owner, you need the same kinds of insurance coverages for vehicles used in your business as you do for personal travel \u2014 liability, collision and comprehensive, medical payments, and coverage for uninsured motorists.<\/p>\n      <p>If the vehicle is owned by the business, make sure the business name appears on the policy as the principal insured. K. Flynn Insurance in Troy, Missouri can help you get the right commercial auto coverage.<\/p>\n    <\/div>\n    <div class=\"ivx9-visual\">\n      <!-- IVX9 coded artwork \u2014 generated illustration, no external image.\n     Colour comes from .ivx9-af-* in __ivai_page_styles.css. -->\n<svg class=\"ivx9-art\" viewBox=\"0 0 400 300\" role=\"img\" aria-labelledby=\"t-commercial-auto\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" preserveAspectRatio=\"xMidYMid meet\"><title id=\"t-commercial-auto\">Illustration of a commercial box truck in front of a skyline<\/title><rect class=\"ivx9-af-field\" x=\"0\" y=\"0\" width=\"400\" height=\"300\"\/><g class=\"ivx9-af-grid\"><line x1=\"34\" y1=\"0\" x2=\"34\" y2=\"300\"\/><line x1=\"68\" y1=\"0\" x2=\"68\" y2=\"300\"\/><line x1=\"102\" y1=\"0\" x2=\"102\" y2=\"300\"\/><line x1=\"136\" y1=\"0\" x2=\"136\" y2=\"300\"\/><line x1=\"170\" y1=\"0\" x2=\"170\" y2=\"300\"\/><line x1=\"204\" y1=\"0\" x2=\"204\" y2=\"300\"\/><line x1=\"238\" y1=\"0\" x2=\"238\" 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data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1}' crossorigin=\"anonymous\"><\/script>\n    <\/div>\n  <\/div>\n\n  <!-- Metrics strip -->\n  <div class=\"ivx9-metrics\" data-a=\"2\">\n    <div class=\"ivx9-metric\">\n      <div class=\"ivx9-metric-bar\"><\/div>\n      <div class=\"ivx9-metric-lbl\">Liability<\/div>\n      <div class=\"ivx9-metric-val\">Covered<\/div>\n    <\/div>\n    <div class=\"ivx9-metric\">\n      <div class=\"ivx9-metric-bar\"><\/div>\n      <div class=\"ivx9-metric-lbl\">Collision<\/div>\n      <div class=\"ivx9-metric-val\">Covered<\/div>\n    <\/div>\n    <div class=\"ivx9-metric\">\n      <div class=\"ivx9-metric-bar\"><\/div>\n      <div class=\"ivx9-metric-lbl\">Comprehensive<\/div>\n      <div class=\"ivx9-metric-val\">Covered<\/div>\n    <\/div>\n    <div class=\"ivx9-metric\">\n      <div class=\"ivx9-metric-bar\"><\/div>\n      <div class=\"ivx9-metric-lbl\">Medical Payments<\/div>\n      <div class=\"ivx9-metric-val\">Covered<\/div>\n    <\/div>\n  <\/div>\n\n  <!-- Call to action -->\n  <div class=\"ivx9-cta\" data-a=\"3\">\n    <div class=\"ivx9-cta-content\">\n      <div class=\"ivx9-cta-heading\">Business vehicles need business-grade insurance.<\/div>\n      <p class=\"ivx9-cta-sub\">The professionals at K. Flynn Insurance in Troy, Missouri will make sure your commercial vehicles are properly covered.<\/p>\n    <\/div>\n    <div class=\"ivx9-cta-action\">\n      <br style=\"height:1em\" \/>\r\n<p><a class=\"longquoteserviceformbuttons\" href=\"https:\/\/www.kflynninsurance.com\/missouri\/online-quotes\/\"><i class=\"fa fa-shopping-cart fa-1x\" style=\"margin: 0 14px 0 0;\"><\/i>QUOTE ME NOW<\/a><\/p>\r\n<br style=\"height:1em\" \/>\n    <\/div>\n  <\/div>\n\n  <div class=\"ivx9-block\" data-a=\"4\">\n    <div class=\"ivx9-block-rail\">\n      <div class=\"ivx9-tag\">Coverage Guide<\/div>\n      <h3>Understanding Commercial Auto Insurance<\/h3>\n    <\/div>\n    <div class=\"ivx9-qa\">\n      <p class=\"ivx9-lead\">Commercial auto insurance covers vehicles your business owns, leases, or uses for work. Personal auto policies usually exclude business use, so most companies that drive for work need a separate commercial policy.<\/p>\n      <div class=\"ivx9-item\">\n        <h4>Liability Coverage<\/h4>\n        <p>Pays for injuries and property damage your business vehicles cause to others. Vehicles registered to a business must carry at least your state&#8217;s minimum liability limits.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Physical Damage Coverage<\/h4>\n        <p>Collision and comprehensive coverage pay to repair or replace your business vehicles after an accident, theft, vandalism, or weather damage.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Hired and Non-Owned Auto Coverage<\/h4>\n        <p>Extends liability protection to vehicles your business rents and to employees&#8217; personal vehicles used for business errands.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"ivx9-block\" data-a=\"5\">\n    <div class=\"ivx9-block-rail\">\n      <div class=\"ivx9-tag\">Questions<\/div>\n      <h3>Commercial Auto Insurance FAQ<\/h3>\n    <\/div>\n    <div class=\"ivx9-qa\">\n      <div class=\"ivx9-item\">\n        <h4>What is commercial auto insurance?<\/h4>\n        <p>It is coverage for vehicles used in your business, protecting against liability for accidents and against physical damage to the vehicles themselves.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Does my personal auto policy cover business use?<\/h4>\n        <p>Usually not. Personal auto policies often limit or exclude business use, so a commercial auto policy is needed for vehicles used for work.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Is commercial auto insurance required?<\/h4>\n        <p>Vehicles registered to a business must carry at least your state&#8217;s minimum liability coverage, the same limits required for personal vehicles.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>What is hired and non-owned auto coverage?<\/h4>\n        <p>It extends your liability coverage to vehicles your business rents and to employees&#8217; own vehicles when they are driven for business purposes.<\/p>\n      <\/div>\n      <div class=\"ivx9-item\">\n        <h4>Why buy commercial auto insurance through an independent agent?<\/h4>\n        <p>As an independent agency, K. Flynn Insurance represents many carriers, so we can compare coverage and price for your fleet and how it is used, with personal, local service.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"ivx9-block\" data-a=\"6\">\n    <div class=\"ivx9-block-rail\">\n      <div class=\"ivx9-tag\">Coverages Available<\/div>\n      <h3>What a policy can include<\/h3>\n    <\/div>\n    <div class=\"ivx9-qa\">\n      <p class=\"ivx9-cov-title\">Commercial Auto Insurance \u2014 Coverages Can Include:<\/p>\n      <ul class=\"ivx9-cov\">\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Bodily injury liability<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Property damage liability<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Collision coverage<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Comprehensive coverage<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Medical payments<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Uninsured motorist coverage<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Hired &amp; non-owned auto<\/li>\n\n        <li class=\"ivx9-cov-item\"><svg aria-hidden=\"true\" class=\"ivx9-cov-chk\" fill=\"none\" height=\"17\" viewBox=\"0 0 17 17\" width=\"17\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"8.5\" cy=\"8.5\" r=\"7.75\" stroke=\"currentColor\" stroke-width=\"1.5\"><\/circle><path d=\"M5.5 8.5l2.2 2.2 3.8-3.8\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.5\"><\/path><\/svg> Fleet coverage programs<\/li>\n\n      <\/ul>\n    <\/div>\n  <\/div>\n\n  <div class=\"ivx9-note ivx9-note-amber\" data-a=\"7\">\n    <p>Contact K. Flynn Insurance in Troy, Missouri to discuss commercial auto insurance for your business vehicles.<\/p>\n  <\/div>\n\n<\/section>\n<script type=\"module\" src=\"https:\/\/static.cloudflareinsights.com\/beacon.min.js\/v4513226cdae34746b4dedf0b4dfa099e1781791509496\" integrity=\"sha512-ZE9pZaUXND66v380QUtch\/5sE9tPFh2zg45pR2PB0CVkCtOREv2AJKkSidISWkysEuQ0EH8faUU5du78bx87UQ==\" data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1}' crossorigin=\"anonymous\"><\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>K. Flynn Insurance Commercial Auto Insurance As a business owner, you need the same kinds of insurance coverages for vehicles used in your business as you do for personal travel \u2014 liability, collision and comprehensive, medical payments, and coverage for uninsured motorists. 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