Commercial Auto Insurance in Des Moines and Clive, Iowa
Whether you drive one work truck or run a whole fleet, Absolute Insurance can cover it. As an independent agency in Clive, Iowa, we work with many carriers to write competitive commercial auto policies for businesses across the Des Moines metro, covering a mix of vehicle types, drivers, and even some motorized equipment.
What does commercial auto insurance cover?
A commercial or business auto policy protects your company on the road, and it can carry higher liability limits than a personal auto policy.
What businesses and vehicles can Absolute insure?
Because we work with many carriers, we can write almost any business, driver, or vehicle, and we tailor the policy to how your business actually operates. We insure contractors, carpenters, landscapers, electricians, plumbers, snow plowers, janitorial and cleaning services, delivery drivers, tow truck drivers, and more. Whether you have one vehicle or a full fleet, your Absolute agent can help.
What is hired and non-owned auto liability?
If you rent vehicles, or your employees use their own cars for work, you may have a gap. Hired and non-owned auto liability covers certain liabilities from using a rented or leased vehicle (hired) or an employee's own vehicle on company business (non-owned). It can often be added inexpensively to a business auto policy, and in some cases to a general liability policy.
Does personal auto insurance cover business use?
Often not. A personal auto policy may not cover damage to your own car or truck when it is used for business, even for a home cosmetics or jewelry sales business or pizza delivery. If you use a personal vehicle for work, talk to an Absolute agent so you are not caught without coverage after a claim.
Get a commercial auto insurance quote
Every business is unique. Call Absolute Insurance at 515-279-2722, email service@insaia.com, or request a quote online, and our agents will compare carriers to find the best commercial auto coverage, service, and value for your business.
Frequently asked questions
Often yes. A personal auto policy may not cover your vehicle when it is used for business, so a commercial auto policy or hired and non-owned coverage helps close that gap.
Both. Whether you have one work vehicle or a full fleet, Absolute compares carriers to write coverage that fits your business.
It covers certain liabilities when you rent or lease a vehicle, or when an employee uses their own vehicle for company business. It can often be added inexpensively to a business auto or general liability policy.
