Commercial Auto Insurance in Washington

Keep Your Business Moving—With the Right Protection on the Road

Whether you operate a single service van or a fleet of trucks, commercial auto insurance is essential for protecting your vehicles, your team, and your livelihood. A personal auto policy won’t cover business use—and one accident can put everything at risk.



At Strategy Insurance Brokers LLC, we help Washington contractors and business owners find commercial auto coverage that matches how they really operate. From HVAC vans to delivery trucks, we’ll make sure you’re protected every mile of the way.

What Does Commercial Auto Insurance Cover?

A standard policy can include:

Liability Coverage

Covers property damage and bodily injury if your vehicle is involved in an at-fault accident.

Collision & Comprehensive Coverage

 Pays for damage to your vehicles from collisions, theft, vandalism, or weather events.

Uninsured/Underinsured Motorist

Protects you if you're hit by someone who doesn’t have enough insurance—or any at all.

Medical Payments (MedPay)

Covers medical costs for drivers and passengers, regardless of fault.

Hired & Non-Owned Auto Coverage

Covers vehicles your business rents or employees use for work, even if not owned by the company.

Who Needs Commercial Auto Insurance?

This policy is essential if you or your employees drive for business. We provide coverage for:


  • Contractors & Skilled Trades
  • HVAC, Plumbing & Electrical Businesses
  • Delivery Drivers & Couriers
  • Landscaping & Lawncare Crews
  • Auto Parts & Equipment Transport
  • Any Business Using Service Vehicles

Commercial Auto FAQs

  • Is commercial auto insurance required in Washington?

    Yes—if you use a vehicle for business, Washington state requires commercial auto insurance. Personal policies may deny claims if a vehicle is used for work-related purposes.

  • What vehicles are eligible for commercial auto insurance?

    Cars, vans, pickups, dump trucks, flatbeds, trailers, and specialty vehicles can all be covered under a commercial auto policy. We’ll help match your business use to the right coverage.

  • Can I insure just one vehicle for business use?

    Absolutely—whether you have one truck or ten, we’ll help you get the right level of protection.

  • What’s the difference between commercial and personal auto insurance?

    Commercial policies are designed for higher liability limits, business-related risks, and employees driving. Personal policies exclude many business-related claims.

  • Do I need fleet coverage?

    If you operate multiple vehicles, fleet policies can offer better pricing and management flexibility. We’ll help determine if a fleet policy makes sense for your business.

  • Can I bundle commercial auto with other business coverage?

    Yes—we can bundle commercial auto with your BOP, general liability, or workers comp to streamline your coverage and potentially reduce your premium.