Coverage That Keeps You Moving
Commercial Auto Insurance in Missouri
Protection for Business-Owned Vehicles and the People Who Drive Them
Business Auto Insurance With Local Support
Whether you’re making deliveries, transporting tools, or driving between client sites, business vehicles need their own protection. At Fortner Insurance, we help Missouri business owners, contractors, nonprofits, and churches insure their cars, vans, and trucks with commercial auto insurance that fits their operations. From a single vehicle to a full fleet, we’ll build a policy that meets state requirements, contract obligations, and your day-to-day needs.
What We Offer
Business Auto Coverage for Missouri Operations
Liability Coverage
Covers injury or property damage you cause while driving a business vehicle.
Physical Damage (Comp & Collision)
Helps pay for repairs or replacement if your vehicle is damaged or totaled.
Uninsured/Underinsured Motorist
Protects your business if an employee is hit by someone without enough insurance.
Medical Payments Coverage
Helps with medical costs for you or your employees after an accident.
Hired and Non-Owned Auto
Covers employee vehicles or rented vehicles used for business purposes.
Towing & Rental Reimbursement
Optional add-ons for temporary vehicle use after an accident.
Fleet Policy Options
Combine multiple business vehicles under one policy for simplicity and cost savings.
Certificate of Insurance (COI) Support
Fast turnaround for proof of coverage when you need it.
Why Missouri Businesses Trust Fortner
Real Support. Reliable Coverage. Local Agents Who Know Your Routes.
We Understand Missouri Roads
From Springfield’s city streets to rural service areas, we help protect the vehicles your business depends on.
We Simplify Fleet Coverage
Managing multiple vehicles? We’ll help you consolidate policies, manage renewals, and keep your coverage up to date.
We Know What Contracts Require
Whether it’s a vendor agreement or church fleet, we’ll make sure your coverage meets all insurance requirements.
Commercial Auto FAQs
What Missouri Business Owners Ask Most
Is commercial auto insurance required in Missouri?
Yes, if your vehicle is titled to your business or used for work-related purposes, you need commercial coverage.
Can I use personal auto insurance for business driving
No. Most personal policies exclude business use. Commercial auto covers both the vehicle and business liability.
What vehicles can be covered under a commercial policy?
Cars, vans, pickups, box trucks, utility vehicles, and more. We’ll help you determine what qualifies.
Does commercial auto cover my employees driving their own vehicles?
Only if you add hired and non-owned auto coverage. It’s a key protection for businesses that reimburse mileage.
Can I bundle commercial auto with other policies?
Yes. Many business owners bundle it with (general liability), (workers’ compensation), or a (Business Owners Policy) to streamline coverage.