Commercial Auto Insurance

Commercial Auto Insurance for Pennsylvania Businesses

If your business owns, leases, or regularly uses vehicles for work in Philadelphia, Pittsburgh, Erie, or anywhere else in Pennsylvania, you need more than a personal auto policy. Baker Insurance Agency helps business owners across the Commonwealth find commercial auto coverage that protects their vehicles, their drivers, and their operations, and our agents compare those options carrier by carrier so your fleet is never overinsured or underinsured. Whether you run one work truck or a growing fleet, we build a policy around how your vehicles are actually used.

Why a Personal Auto Policy Isn't Enough

Pennsylvania requires commercial vehicles to carry at least $15,000 per person and $30,000 per accident in bodily injury liability, $5,000 in property damage liability, and $5,000 in medical benefits. A personal policy typically excludes accidents that happen while driving for work, which can leave your business exposed to real financial risk. If employees occasionally use their own vehicles for company errands, you may also need hired and non-owned auto coverage to close that gap.

Coverage Options for Your Commercial Fleet

Beyond the state minimum, we help Pennsylvania businesses add collision, comprehensive, and uninsured motorist coverage, along with cargo protection for vehicles that haul equipment or goods. If your operation crosses into passenger or freight-for-hire services, our agents can also help you meet the higher limits set by the Pennsylvania Public Utility Commission. Pair this coverage with our general liability and property insurance for complete protection.

Request Your Commercial Auto Insurance Quote

Keep your business moving with the right protection. Contact us today to speak with a Pennsylvania agent about commercial auto coverage for your vehicles, from a single work truck to a full statewide fleet.