Business Auto Insurance That Safeguards You.
Keep your business moving—covered on every road in Washington. From job sites in Seattle to deliveries across the state, commercial auto insurance built for how you actually operate.
THE FIRSTMARK CHALLENGE
A better way to review coverage.
Four simple steps. Zero obligation.
Have A Conversation.
We shop the markets.
Review the results.
You decide.
- Licensed in 39 states
- 20+ Insurance Carriers
- Headquartered in Edmonds, WA
- Independent & Unbiased
A better way to review coverage.
The Firstmark Challenge
Our simple, guided process makes reviewing your insurance easy. We take the time to understand your needs, compare options across top carriers, and present clear results—so you can make a confident decision.
01
Have A Conversation
02
We Shop The Markets
03
Review The Results
04
You Decide!
Managing a Fleet is Demanding—Your Auto Coverage Shouldn’t Be
With FirstMark Insurance’s dedicated commercial auto team, you get local experts comparing coverage from over 20 insurance carriers to ensure your vehicles, drivers, and business are protected—at the most competitive price available.
Why having Business Auto Insurance is Important
When many people think of a commercial auto insurance policy, they may think of big vehicles such as semi-trucks, box trucks, garbage trucks, etc. However, there are many variations of vehicles that would qualify for a commercial auto insurance policy.
How to Determine If You Need a Commercial Auto Insurance Policy
If you are using your vehicle or your employer’s vehicle for business purposes, you need a commercial auto insurance policy or endorsement. For instance, many people are working in the gig economy in jobs such as delivering food with your own vehicle or doing rideshare. It is important you have the right insurance coverage. If you do get into an accident where you are making a food delivery and damage your vehicle or someone else’s property, your standard personal car insurance policy will likely not cover you. Contact our agents with any questions you may have.
Here is a quick reference to help you determine if you need a commercial auto insurance policy:
- Using your vehicle to carry business equipment
- Freight transportation
- Towing vehicles
- Delivering food or goods (Amazon drivers, food delivery drivers, newspaper delivery)
- Using your vehicle to chauffeur people (Uber or Lyft Drivers, taxi service)
- Transporting material
How Is A Commercial Auto Insurance Policy Different Than My Personal Auto Insurance?
Since your vehicle is being used for business purposes, there are different risks that need to be insured. Additionally, the rating system used by companies is entirely different than a personal auto policy. Each commercial policy needs vary, so have a discussion with your agent to discuss your specific policy limits. For business owners with many vehicles to insure, business auto fleet policies are available. Additionally, consider adding a commercial umbrella policy above and beyond your standard commercial auto policy to protect your business from a catastrophic vehicle accident claim.
How Much Does Commercial Auto Insurance Cost?
Just like your personal auto insurance policy, a commercial auto insurance policy is rated on many factors. Here are a few common examples of what could determine your insurance rate.
- Driving records
- Driver age
- Credit history
- The size & type of your vehicle
- The number of vehicles you are insuring
- What you plan to transport
Not Sure What Kind of Coverage You Need for Your Business?
That is where we can help. Our agents can help determine what type of coverage will be the best fit for your specific needs. If you plan to use your vehicle for business and personal purposes, we can help you determine an appropriate type of policy. If you are only looking to cover your vehicle for business use, we can help find you the best rate. We will explain all of your options so you understand your policy. Get a free commercial auto insurance quote by calling or emailing us.