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You've worked hard to build your business. One business-related accident shouldn't put it at risk. Michigan law requires auto coverage on the vehicles you use for work — and the right commercial auto policy protects your vehicles, your drivers, and the assets you've built. Top O' Michigan shops it across our carrier panel so the coverage fits how you actually operate.
If you or an employee is in an accident while driving for the business, a personal auto policy can leave a serious gap — and as the owner, you could be held personally responsible for the costs. Commercial auto is built for how businesses actually use vehicles: multiple drivers, heavier vehicles, equipment on board, and higher liability exposure on the road.
Whether you run one work truck or a full fleet across Michigan, we match the limits and options to your operation and shop it across our carrier panel.
A commercial auto policy can be built from these core and optional coverages.
Third-party bodily injury and property damage arising from operating your vehicles, plus legal-cost reimbursement.
Repair or replacement of your vehicles, with limits, deductibles, and exclusions you choose.
Protection when employees drive rented vehicles or their own cars for business.
Covers the difference between what you owe and the vehicle's value after a total loss.
Coverage for GPS, telematics, and other electronics permanently installed in your vehicles.
Roadside assistance and towing options to keep your vehicles moving.
If you repair, service, store, or move other people's vehicles, your risks go well beyond a standard auto policy. We write coverage for mechanical, body, and paint shops, car washes, car dealers, and towing operations — the businesses where a customer's vehicle, a faulty repair, or a chemical spill can turn into a serious claim.
General liability policies typically exclude pollution-related claims — yet garage operators face exposure every day through paint, solvents, hydraulic fluids, above- and underground tanks, and wash-pit operations. A single leaking tank or hydraulic discharge can become a six- or seven-figure cleanup. Dedicated garage pollution coverage fills that gap.
Premiums and final terms are subject to underwriting — ask a local agent what fits your shop.
Coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the coverages and limits that apply to your business.
If you use vehicles for business — work trucks, vans, service vehicles, or a fleet — a personal auto policy usually won’t respond to a business claim. Commercial auto is built for that use. Coverage is subject to underwriting.
It can include liability, physical damage (collision and comprehensive), hired and non-owned auto, loan/lease gap, and electronic equipment. Coverage is tailored to your vehicles and how you operate.
Usually only incidental use. Regular business use, employees driving, or vehicles owned by the business typically need a commercial policy — relying on personal auto can leave you exposed.
It covers liability when employees drive vehicles you don’t own — rentals, or their own cars for business errands. It’s an important gap-filler even if your business doesn’t own any vehicles.
If you service or store customers’ vehicles, garage liability and garagekeepers coverage protect against claims standard policies won’t. We write auto-service garages, body shops, and towing operations.
From one work truck to a full fleet, let's build commercial auto coverage that fits how you operate. Talk with a local Michigan agent today.
