Business Auto Insurance
On the road for business? Stay covered.
Custom protection for business-owned vehicles, delivery fleets, and everything in between.
Business Auto Insurance is one of the most important ways to protect your property, assets, or business. At The Lapeer Agency, we help clients across Michigan find insurance options that work for their needs and budgets. With nearly a century of experience and access to multiple carriers, we deliver solutions that are tailored—not templated. Whether you’re exploring new policies or reviewing existing coverage, we make the process easy and informed. We take time to explain the details, answer your questions, and recommend options that offer lasting peace of mind. Our local agents are here to help you make confident, well-supported decisions every step of the way. Let’s get you covered the right way.
What This Insurance Can Cover
If your company owns or uses vehicles, this coverage is essential. These are the areas a business auto policy helps protect:
Liability Coverage
Covers damage or injuries your business vehicle causes to others.
Collision and Comprehensive
Protects your fleet from collisions, weather events, and vandalism.
Hired & Non-Owned Auto
Extends coverage to vehicles your business doesn’t own but uses.
Medical Payments
Helps pay medical expenses for your drivers and passengers after an accident.
Frequently Asked Questions
Here are a few of the most Business Auto Insurance questions we hear from Michigan clients.
Is personal auto insurance enough for business use?
Usually not. Business use often requires separate or additional coverage under a commercial policy.
Can I cover all my vehicles under one policy?
Yes, if they’re owned or leased by your business, we can help bundle them efficiently.
Does it cover employee drivers?
Yes, as long as they’re authorized. We’ll ensure your policy accounts for all usage.
What if I rent or borrow vehicles?
You may need hired/non-owned auto liability coverage. We’ll include what fits your operations.