Commercial Auto Insurance
Protect Your Fleet and Your Business with Commercial Auto Insurance.
Since 1946, we’ve helped families across Acadiana and nationwide find the right coverage with a personal touch.
Insurance Tailored To You
From cargo vans to semi-trucks, Dorsey Insurance Agency helps Louisiana businesses and businesses nationwide secure reliable, affordable protection for every vehicle on the road.
Serving Individuals, Families, and Communities Since 1946
Whether you own one work truck or manage a full fleet, commercial auto insurance protects your vehicles, your drivers, and your bottom line. Personal policies don’t cover business use — which means one accident could cost your company thousands.
At Dorsey Insurance Agency, we make it simple to find commercial auto insurance in Louisiana that fits your operation. As an independent agency, we compare multiple carriers to secure the right mix of protection and price, whether you need commercial auto insurance for small business owners, contractors commercial auto insurance, or fleet coverage for transport companies.
What Is Commercial Auto Insurance?
So, what is commercial auto insurance? It’s a policy designed to cover vehicles used for business purposes. From company cars to work trucks, this coverage protects against damage, theft, liability claims, and medical expenses that can result from on-the-job accidents.
If your business owns or leases vehicles, provides delivery or transport services, or allows employees to drive for work, you need auto insurance for commercial vehicles to stay protected and compliant.
What Does Commercial Auto Insurance Cover?
Most commercial auto liability insurance policies include:
- Bodily Injury & Property Damage Liability – Covers injuries or damage your drivers cause to others.
- Collision Coverage – Pays for repairs or replacement if your vehicle is damaged in an accident.
- Comprehensive Coverage – Protects against theft, fire, vandalism, or storm damage.
- Medical Payments / Personal Injury Protection (PIP) – Covers medical costs for drivers and passengers.
- Uninsured / Underinsured Motorist Coverage – Protects you if the other driver has insufficient insurance.
- Trailer Interchange or Towed Equipment Coverage – Adds protection for attached trailers or hauled cargo.
Types of Commercial Vehicles Covered
Light Commercial Vehicles
- Pickup Trucks
- Cargo Vans (cargo van insurance)
- Mini Trucks / Flatbeds
- Passenger Vans / Shuttles
- Box Trucks
Medium-Duty Commercial Vehicles
- Refrigerated Trucks
- Utility Service Trucks
- Tow Trucks (tow truck insurance, commercial tow truck insurance)
- Dump Trucks
Heavy-Duty Commercial Vehicles
- Semi-Trucks / Tractor-Trailers (semi truck and trailer insurance)
- Tanker Trucks
- Concrete Mixers
- Logging Trucks
- Lowboy or Flatbed Trailers
- Garbage / Refuse Trucks
Specialty Commercial Vehicles
- Fire Trucks
- Ambulances
- Buses / Coaches
- Food Trucks
- Mobile Cranes / Boom Trucks
- Armored Trucks
- Street Sweepers / Snow Plows
Trailers and Towed Equipment
- Utility Trailers
- Gooseneck Trailers
- Dump Trailers
- Tilt Trailers
- Car Haulers / Equipment Haulers
- Refrigerated Trailers
Who Needs Commercial Auto Insurance?
You need small business commercial auto insurance if you:
- Own or lease vehicles used for business purposes.
- Operate a construction, delivery, or transportation company.
- Employ drivers or contractors who operate vehicles on the job.
- Manage a fleet of trucks, vans, or trailers that transport goods or passengers.
Even if you operate just one work truck, commercial auto insurance for small business owners is essential to meet state requirements and prevent major financial loss.
Benefits of Having the Right Coverage
- Protects your business vehicles and cargo from damage or theft.
- Covers liability claims, injuries, and property damage.
- Keeps your operations compliant with Louisiana regulations.
- Reduces downtime and financial loss after an accident.
Risks of Not Having Coverage
Without commercial auto liability insurance, you risk:
- Paying out-of-pocket for vehicle repairs or lawsuits.
- Legal penalties for driving uninsured business vehicles.
- Lost income due to downtime after an accident.
- Contract violations with clients or partners requiring proof of insurance.
How We Help You Find the Right Policy
At Dorsey Insurance Agency, we simplify the process of securing commercial auto insurance Louisiana businesses can rely on:
- Assess Your Operation – We review your vehicle types, routes, and usage.
- Compare Carriers – We shop multiple insurers to find competitive rates.
- Customize Your Coverage – Whether you need contractors commercial auto insurance or semi truck and trailer insurance, we’ll tailor a plan that fits.
Our goal is simple — protect your business, your drivers, and your livelihood.
Want To Know More? Contact Us Or Request A Quote.
Keep your business on the road with dependable commercial auto insurance that works as hard as you do. Our team has decades of experience. We work for you, not the insurance providers.
Commercial Insurance We Provide
Our Trusted Partners...
Commercial auto insurance costs between $900 and $2,400 per year per vehicle. Rates depend on vehicle type, business use, driving history, coverage limits, and location. For example, insuring a box truck in a high-risk area costs more than insuring a sedan used occasionally.
You need commercial auto insurance if you use your vehicle for business tasks like transporting goods, driving clients, or making service calls. Personal auto policies don’t cover business use. Even occasional business use, like rideshare driving or deliveries, requires commercial coverage in most states.
Commercial auto insurance usually covers personal use of a business vehicle by the named insured. However, it may not cover other drivers or strictly personal activities. If employees use the vehicle for personal reasons, coverage depends on policy terms and may require additional endorsements.
Commercial auto insurance covers vehicle damage, liability for injuries or property damage, medical payments, uninsured motorists, and legal costs from business-related accidents. It applies to owned, leased, or rented vehicles used for business. Coverage can also include towing, rental reimbursement, and specialized equipment.
Business owners, contractors, delivery drivers, rideshare drivers, and anyone using a vehicle for work-related tasks need commercial auto insurance. This includes transporting goods, carrying tools, visiting clients, or driving employees. If a personal vehicle is used for business, commercial coverage is typically required.