Protection for the Vehicles That Keep Your Business Moving
Personal auto policies are not designed for vehicles used primarily for business - things like hauling tools to job sites, making deliveries, or running service calls all day. In Kentucky, businesses must carry liability coverage on vehicles used for commercial purposes, and the risks of daily business driving can be higher than typical personal use.
Commercial auto insurance helps protect your work trucks, vans, and service vehicles if they're involved in accidents, cause damage to others, or are damaged themselves. We help business owners and contractors in Morehead, Rowan County, and across Eastern Kentucky choose coverage that makes sense for the way they actually drive.
What Commercial Auto Insurance Can Cover
Liability Coverage
Helps pay for bodily injury and property damage you're legally responsible for if your business vehicle is involved in a covered accident. This is what keeps your business compliant with Kentucky requirements and protects your assets from lawsuits.
Collision Coverage
Helps repair or replace your business vehicle if it's damaged in a collision with another vehicle or object, regardless of who is at fault.
Comprehensive Coverage
Helps cover non-collision damage such as theft, vandalism, fire, hail, or hitting an animal - risks that are common on rural Eastern Kentucky roads.
Medical Payments / PIP
Provides limited coverage for medical expenses for you and your passengers after an accident, regardless of fault, subject to Kentucky's no-fault rules and policy terms.
Uninsured / Underinsured Motorist
Helps protect you if you're hit by a driver who has little or no insurance. This can be especially important if your business vehicles are on the road every day.
Hired & Non-Owned Auto (Optional)
Helps protect your business when employees drive their own cars for work or when you rent or borrow vehicles for business use.
Permanently Attached Equipment (Optional)
Can extend coverage to ladder racks, toolboxes, service beds, and other permanently attached equipment used on work trucks.
Coverage for Real-World Eastern Kentucky Driving
Commercial driving in Eastern Kentucky often means:
Contractors traveling between job sites in Rowan and Elliott counties.
Delivery vehicles running between Morehead and Lexington.
Farm supply trucks navigating narrow, winding Appalachian roads.
When we design a commercial auto policy, we:
Review your vehicle types, radius of operation, and how each vehicle is used.
Consider drivers' roles and driving histories.
Discuss appropriate liability limits and physical damage options.
Look at any contract or certificate requirements you need to meet.
As an independent agency, we can often help place both single work trucks and small fleets, shopping multiple carriers to find the right fit.
Commercial Auto vs Personal Auto - Why It Matters
Use this comparison to understand why work vehicles usually need commercial policies.
| Vehicle Use | Personal Auto Policy: Intended for commuting and personal errands, not daily business use. | Commercial Auto Policy: Built for regular business driving, deliveries, and job-site travel. |
| Types of Vehicles | Personal Auto Policy: Typically covers standard passenger vehicles used primarily for personal purposes. | Commercial Auto Policy: Can include pickups with business logos, cargo vans, service trucks, and in some cases small fleets. |
| Coverage Requirements | Personal Auto Policy: Meets personal state minimums but may exclude or limit coverage for business use. | Commercial Auto Policy: Structured to meet business contract requirements, higher limits, and more complex exposures. |
| Certificates & Proof of Insurance | Personal Auto Policy: Rarely issued with certificates listing clients or general contractors. | Commercial Auto Policy: Frequently used to provide certificates of insurance and additional insured endorsements. |
Conclusion Sentence: If your truck or van has a logo on the side or spends most of its time working for your business, it's time to talk about commercial auto coverage.
Common Questions About Commercial Auto Insurance
Is commercial auto insurance required in Kentucky for my work truck?
If the vehicle is titled to your business or primarily used for work, you typically need a commercial policy with liability coverage that meets or exceeds Kentucky's requirements.
What does commercial auto insurance cover for a small business in Morehead, KY?
It can include liability, collision, comprehensive, medical payments/PIP, and uninsured/underinsured motorist coverage. Optional protections like hired/non-owned auto and equipment coverage may be added as needed.
Can I put my truck with a business logo on a commercial policy instead of personal auto?
Yes - and in many cases, you should. Vehicles displaying your business branding or used mostly for work are generally better insured on a commercial policy.
Can you insure just one work truck, or do I need a fleet?
We can help with a single vehicle, several work trucks, or a small fleet. Coverage is tailored to your actual needs.
Can you issue certificates of insurance quickly.
Yes. We know contractors and small businesses often need proof of coverage on short notice, and we work to provide certificates promptly.
From Downtown Morehead to Mountain Roads - Keep Your Business Vehicles Covered
Whether your vehicles are running around Morehead, traveling toward Lexington, or working on two-lane Appalachian roads, we'll help you put the right commercial auto insurance in place.
