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Protection for Business Vehicles on the Road

Commercial Auto Insurance

If your business owns or operates vehicles, commercial auto insurance is essential. From delivery vans to service trucks, Johannes Agency helps protect your drivers, vehicles, and cargo.We’ll match your business with coverage that keeps you compliant and protected every mile of the way.

What’s Included in Commercial Auto Coverage

Commercial auto policies protect your vehicles, drivers, and business liability in case of an accident. Typical coverages include:

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Liability Coverage

Pays for bodily injury and property damage to others caused by your driver.

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Medical Payments

Helps with medical expenses for you or your passengers.

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Physical Damage Coverage

Includes collision and comprehensive protection for your vehicles.

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Uninsured/Underinsured Motorist

Covers injuries or damages caused by other drivers without adequate insurance.

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Hired & Non-Owned Auto

Covers vehicles rented, leased, or owned personally but used for business purposes.

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Towing & Roadside Assistance

Optional coverage to assist drivers after a breakdown or accident.

Vehicles We Insure for Businesses

Johannes Agency offers coverage for a wide range of business vehicles, including:

  • Service Vans & Pickup Trucks

    Used by contractors, plumbers, and electricians.

  • Delivery Vehicles

    Covering goods in transit and driver liability.

  • Company Cars

    For sales teams or staff travel.

  • Fleet Vehicles

    Coverage for multiple vehicles under one policy.

  • Farm & Agribusiness Trucks

    Insuring vehicles that support local operations.

Commercial Auto Insurance FAQs

Here are answers to common questions Minnesota business owners ask about commercial auto coverage:

  • Is commercial auto insurance required in Minnesota?

    Yes. Any vehicle used for business purposes must be insured under a commercial auto policy to meet state requirements and protect your company from liability.

  • Can personal auto insurance cover business use?

    No. Employee injuries are covered under workers’ compensation insurance. General liability covers third-party claims such as customers or vendors.

  • What if my employees use their own cars for work?

    You can add hired and non-owned auto coverage to protect your business when employees use personal vehicles for deliveries, sales, or errands.

  • Does it cover tools or equipment inside my vehicle?

    You still need general liability and possibly D&O coverage. Even if you rent office space or operate virtually, your organization can be sued or held liable for damages.

  • Can I insure vehicles across multiple locations?

    Yes. We can write one policy that covers vehicles operating in different cities or regions within Minnesota.