Commercial Auto

Getting the right coverage on your cars and trucks is crucial. Knowing you’re well protected with Acuity’s business auto insurance will lead you to your insurance zen.


Auto liability covers the damage to others’ property that your auto may cause, as well as injury to other people. Auto liability protects your assets and future income.


Physical damage

No one plans to hit another car. I guess that's why they call it an accident. If you are involved in an accident, our collision coverage will pay to repair the damage to your vehicle, even if it is your fault. Not only that, we will pay for a tow truck to take your vehicle to a repair shop after the accident.

There is also physical damage coverage for other damage to your vehicle. It is called comprehensive coverage and it really covers a lot. Damage from fire, flood, vandalism, and theft are examples of what would be covered.


Medical payments

If anyone in your car is hurt in an accident, we will pay medical expenses they incur. 


Personal injury protection (PIP)

Many states require personal injury protection coverage. This coverage pays for medical expenses. In some states, lost income and other expenses may be covered.


Uninsured and underinsured motorists coverage

Protects you if you're in an accident caused by an uninsured driver or a driver who doesn't have enough insurance. We pay for expenses and lost wages.


What makes us different?

  • Acuity advantages. Acuity is committed to providing the best possible protection to our valued customers. We automatically include several additional coverages, including waiving the deductible on auto glass repair and even replacing the fuel in the vehicle at the time of the accident.

  • Acuity advantages for truckers. Acuity automatically includes special coverages for truckers such as $3,000 for electronic logging devices, and coverage for tarps, tie-downs, chains, pads and other equipment used by truckers.

  • PARS – the Acuity pre-approved repair shop program. You have the right to have your vehicle repaired at the shop of your choice. But if you take your vehicle to a shop that is part of our PARS program, you will save time, reduce paperwork, and the shop guarantees their work!

Optional coverages


  • Our auto enhancements endorsement is our best value. This optional endorsement includes over 20 coverages. In the event of a loss, this endorsement provides $10,000 for lost income or to get you on the road with a replacement vehicle and $3,000 for damage to audio, visual,  or electronic equipment. Many private passenger vehicles are leased today, and this endorsement pays for the lease or loan “gap” that may arise when a vehicle is in an accident and the vehicle is not worth as much as is owed. 

  • Our truckers’ enhancement endorsment includes all coverages from our auto enhancements endorsement, but also includes a single deductible for all trucks, trailers and cargo insured by Acuity that are involved in an accident. Another feature added with truckers in mind is $2,500 personal property coverage. Many truckers are required to add waiver of subrogation for written contracts—that is another coverage that is automatically included.

  • Business income. Actual Loss Sustained. If you need more than the $10,000 of business income provided in the enhancements endorsement, you can purchase this endorsement and get the added protection you need.

  • Replacement cost for cars. If your car is totaled, this endorsement replaces it with a brand new car of the same make and model. This coverage is available for private passenger vehicles purchased new by the insured that are insured for comprehensive and collision coverage within 90 days of delivery.

  • Towing coverage. We will pay up to the limit shown in the declarations for towing and labor costs incurred each time a covered auto is disabled. Truckers can get limits up to $2,500.

Get an auto quote

Let us focus on your auto insurance so you can drive worry free.


Get answers from our insurance experts.
    • Sharing isn’t just something we teach our kids in grade school—it has taken over our culture and examples of the sharing economy are everywhere. The sharing economy is an economic model in which people share resources with each other as part of a peer-to-peer network. This is also known as a collaborative or peer economy. Collaborative customers want to use the tool without buying it, have a ride without paying for the car, and have access to the dress for the one day they need it.
    • Have you ever been contacted to report on conflict minerals you may be using in your business? It is very possible you have never heard about conflict minerals, or you didn’t realize they could be an issue in your business. But there are laws in place around these minerals and their uses in commerce.
    • During my 35 years in the construction industry—mostly in commercial construction—I’ve often been asked, “How difficult is commercial construction?” and “How do I get started in that side of the business?” Usually, these questions are asked by experienced residential contractors who are looking to expand their businesses. As I answer their questions, I’ve seen a variety of reactions. Some contractors become excited, while others express no interest.

    • Sarah B.

    • Michael S.

    • John L.


    Other things you might be interested in.


    Acuity has a number of brochures that explain our policies, coverage options, and services in additional detail.

    Loss control

    Acuity offers an extensive library of loss control resources to help keep your employees and company operating safely


    Does insurance lingo sometimes leave you guessing? Check out our glossary!


    Have questions? We have answers.

    Yes, Acuity loves truckers and motor carriers. Our in-house trucking expert helps us understand truckers' needs, but also writes blogs, newsletters, and other material to help you with all aspects of your trucking business!

    Yes, we make all required filings quickly to get or keep you on the road.

    Yes, as long as the vehicles is identified as one that employees are allowed to use during off-business hours.

    Many personal auto policies exclude coverage for business use; however, there are options to add a personal vehicle to a business policy. Make sure your agent knows of your business use, and he or she will be able to advise you on the right direction to take.