Bishop White Insurance & Financial Services, Inc.
PO Box 71339
2135 NW 108th St
Clive, IA 50325

Alternate: 319-610-9223

Commercial Auto Insurance in Des Moines IA & West Des Moines IA

All motor vehicles need insurance, regardless of whether they’re your personal car or a fleet vehicle owned by your business. However, whereas standard auto insurance is designed for personal vehicles, business vehicles must be insured under the separate benefit of commercial auto insurance. This is a unique policy that, while similar to standard coverage, is tailored to commercial vehicle operators. 

Getting the right commercial auto insurance policy for you and your business will require unique considerations, at the experts at Bishop White Insurance are committed to helping make the process easier. We provide commercial auto insurance benefits to business owners in Des Moines, IA and the surrounding areas, and we’ll work with you to ensure that your plan fits your budget and your coverage needs. 

Call us at  or request your free commercial auto insurance quote now!   

Do I Need Commercial Auto Insurance? 

Commercial auto insurance is designed specifically for vehicles and drivers operating on behalf of a business. It will pay for damage to the vehicle, injuries, lawsuit costs and other damages arising from unexpected events involving the business’s vehicles or drivers. It is designed so that the business itself won’t face insurmountable losses just because it ran into a problem with its vehicle operations. 

Various vehicles and drivers might need to be covered by a commercial auto policy. These include:  

  • Vehicles owned by a business  
  • Employees who drive their personal cars on business-related errands  
  • Company cars provided to employees for commercial and private use  
  • Vehicles hired or rented by the business 
  • Certain personal vehicles that qualify as commercial due to their weights or sizes  

The Coverage Within Commercial Auto Insurance 

The average commercial auto policy can offer numerous benefits. These include:  

  • Liability Insurance: When an accident is deemed your fault, this coverage helps you pay for the damage you do to others (like other drivers) who weren’t in the car with you.  
  • Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.  
  • Property Damage Liability Coverage:  This pays for damage to the other party’s property.  
  • Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.  
  • Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.  
  • Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.  
  • Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.  
  • Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.  

Additionally, other policies and endorsements might help you expand your benefits, such as:  

  • Inland Marine Insurance  
  • Roadside Assistance   
  • Rental Car Reimbursement  
  • Custom Parts Coverage  
  • Replacement Cost Vehicle Coverage  
  • Gap Insurance  

Because your business’s uses of vehicles are unique, you must customize your commercial auto plan in order to make it work specifically for you. However, you must also carry coverage that fully complies with all insurance regulations set by your state of residence. All the same, once you have the minimum benefits in place, our agents will work with you to increase, tailor and optimize your coverage.