Business Insurance
Commercial Auto Insurance for Treasure Valley Businesses
One work truck or a full fleet, Bittick shops carriers to match your vehicles, your routes, and your liability exposure.
Business auto insurance is a commercial policy that covers vehicles your company owns, leases, or uses for work, and it carries higher liability limits than a personal auto policy because a business typically has more assets on the line when an accident happens.
A fender-bender in a company pickup is inconvenient. A serious collision involving a vehicle titled to your LLC or corporation can trigger liability claims, legal costs, and repair bills that a personal auto policy will not touch. Bittick places commercial auto coverage for businesses throughout the Treasure Valley, from sole proprietors running one van to contractors operating mixed fleets on I-84 and the Highway 55 corridor.
Your business vehicles need protection beyond the basics.
From liability to physical damage, we'll help you build the right coverage for how you operate.
What this coverage includes
Liability: bodily injury and property damage
If a driver operating your business vehicle causes an accident, liability coverage pays for the other party's medical bills and property damage. Commercial policies carry higher limits than personal auto because courts and claimants treat a business differently than an individual driver. Idaho's minimum liability thresholds are a floor, not a recommendation; most Bittick clients in trades and delivery work carry significantly more.
Collision coverage for your vehicles
Collision pays to repair or replace your company vehicle after an accident regardless of who was at fault. If you finance or lease any of your commercial vehicles, your lender almost certainly requires this. Even if you own your trucks outright, replacing a work vehicle out of pocket while a claim sorts itself out is a cash-flow hit most businesses would rather avoid.
Named perils and physical damage beyond collisions
Comprehensive-style coverage on a commercial policy (sometimes written as named perils) covers losses that have nothing to do with another vehicle: fire, theft, hail, vandalism, or a deer crossing Highway 44 at dusk. The Treasure Valley's freeze-thaw winters and dry-summer wildfire smoke season are not abstractions for fleet owners who park vehicles outside year-round.
Non-owned auto liability for employee-driven personal vehicles
Non-owned auto liability covers your business when an employee uses their own personal car or truck to run a work errand and causes an accident. The employee's personal policy is the first line of defense, but if that coverage runs out or the claim is denied because the vehicle was being used commercially, your business faces the remainder. This coverage closes that gap.
Pairs well with
General Liability Insurance
Covers bodily injury and property damage claims that arise from your business operations away from the vehicle itself. Many clients need both policies to close the gap between what happens in the cab and what happens on the job site.
Learn more ›Commercial Property Insurance
Protects the physical assets of your business, including tools, equipment, and inventory, that travel in or alongside your commercial vehicles but are not covered under the auto policy.
Learn more ›Workers' Compensation Insurance
If an employee is injured while driving a company vehicle for work, workers' comp covers their medical costs and lost wages. It works alongside commercial auto, not instead of it.
Learn more ›Inland Marine Insurance
Covers tools and equipment while in transit in your vehicles or temporarily at a job site, filling the gap that both commercial auto and property policies often leave for movable business property.
Learn more ›Umbrella / Excess Liability Insurance
Adds a layer of coverage above your commercial auto liability limits. A serious multi-vehicle accident or a fatality claim can exhaust standard limits quickly; an umbrella policy picks up from there.
Learn more ›