Commercial Auto Insurance
Coverage for Business Vehicles in Rhode Island, Massachusetts & Connecticut
If your business relies on vehicles — whether it’s one van or a full fleet — figuring out where to start with commercial auto insurance can feel overwhelming. At Zelano Agency, we make it simple.
Zelano Agency is committed to providing commercial auto insurance solutions that keep your business protected.
We understand the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly — but accidents do happen.
Rhode Island Minimum Requirements: Rhode Island state law requires a minimum commercial auto liability of $25,000 per person, $50,000 per accident, and $25,000 for property damage (25/50/25). Zelano recommends most businesses carry more than the state minimum to adequately protect their assets.
To prevent losing your hard-earned revenue due to an auto accident, you will want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more.
With Commercial Auto Insurance from Zelano Agency, we will work with you one-on-one to create a customized policy that may include:
- Bodily Injury Liability
- Medical Payments
- Personal Injury Protection (PIP) Coverage
- Comprehensive Coverage
- Collision Coverage
- Uninsured and Underinsured Motorist Coverage
Additional options like Bailee Coverage are available if needed. Bailee Coverage insures you against loss or damage to property belonging to your customers while it’s in your care — for example, a moving company transporting furniture, an auto repair shop holding a customer’s vehicle, or a delivery service carrying goods.
Why Personal Auto Won’t Cover Business Use: If you or your employees use a vehicle for business purposes — deliveries, client visits, transporting equipment — your personal auto policy will not cover accidents that happen during business use. A commercial auto policy fills that gap.
Since Commercial Auto Insurance coverage varies, it is important to discuss your business’s options with a specialist at Zelano Agency who can help you determine the proper amount of coverage for all your commercial needs.
We commonly write commercial auto policies for contractors, delivery services, landscapers, caterers, real estate agents, and sales teams throughout Rhode Island, Massachusetts, and Connecticut.
Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it is protected with a Commercial Auto policy from Zelano Agency.
Zelano Insurance Agency has locations in Chepachet, and Greenville, RI to service all your commercial auto insurance needs across Southern New England.
As an independent agency, we shop multiple carriers to find you the best rate. Contact us today for a free, no-obligation commercial auto quote.
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Frequently Asked Questions
What Is the Difference Between Commercial Auto and Personal Auto Insurance?
Personal auto insurance covers vehicles used for personal, non-business driving. Commercial auto insurance is designed for vehicles used in business operations — deliveries, client visits, transporting equipment or materials, and employee commuting in company vehicles. If you or your employees use a vehicle for any business purpose, your personal policy will likely deny a claim that occurs during business use. Commercial auto fills that gap with liability, collision, and comprehensive coverage tailored to business risk.
What Are Rhode Island’s Minimum Commercial Auto Insurance Requirements?
Rhode Island requires a minimum commercial auto liability of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage (commonly written as 25/50/25). These are state minimums — Zelano recommends most businesses carry higher limits to adequately protect their assets, especially if they operate vehicles with employees or transport goods.
Who Needs Commercial Auto Insurance in Rhode Island?
Any business that owns, leases, or regularly uses vehicles for work purposes needs commercial auto insurance. This includes contractors, delivery services, landscapers, caterers, real estate agents, sales teams, and any company that provides vehicles to employees. Even if you use your personal car for business errands, you should speak with an agent about whether your personal policy provides adequate coverage.
What Is Bailee Coverage and Does My Business Need It?
Bailee Coverage insures property belonging to your customers while it’s in your company’s care, control, or custody. If your business transports, stores, or works on items that belong to others — such as a moving company transporting furniture, an auto shop holding a customer’s vehicle, or a delivery service carrying goods — Bailee Coverage protects you if those items are lost, stolen, or damaged while in your possession.
How Much Does Commercial Auto Insurance Cost in RI?
The cost of commercial auto insurance in Rhode Island varies based on the number of vehicles, types of vehicles, driver records, annual mileage, industry classification, and your business’s claims history. A single-vehicle contractor policy costs significantly less than a multi-vehicle fleet policy for a delivery service. As an independent agency, Zelano shops multiple carriers to find the most competitive rate for your business. Contact us for a free quote.
