Business Auto Insurance

Business auto insurance tailored to your company’s needs

Keep your business moving with the right coverage.

Your vehicles are more than just transportation—they’re essential to your business operations. Whether you have a single company car or an entire fleet, business auto insurance helps protect your assets, drivers, and financial security. At Ditsler Insurance Agency, we provide customized commercial auto insurance that covers accidents, liability, vehicle damage, and more so you can keep your business running smoothly.

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Liability Coverage

Liability coverage helps protect your business financially if one of your vehicles is involved in an accident that results in injury or property damage to others. Jacobs Insurance Solutions offers liability coverage options for business, designed to address the financial risks associated with operating vehicles.

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Collision Coverage

Collision coverage helps cover the costs of repairing or replacing a company vehicle that is damaged in an accident.

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Comprehensive Coverage

Company vehicles face various risks beyond collisions, such as theft, fire, and vandalism. Comprehensive coverage helps repair or replace business vehicles after an unexpected damage caused by risks other than a collision. Jacobs Insurance Solutions provides comprehensive business auto insurance options, safeguarding your fleet against unexpected losses.

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Liability & Collision

Accidents can happen anytime, and the costs can be significant. Our business auto insurance provides coverage for bodily injury, property damage, and vehicle repairs, ensuring you’re protected against financial losses.


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Fleet & Single Vehicle

Whether you operate a single work truck or manage a fleet, our policies adapt to your needs. We help businesses of all sizes get the right protection for their commercial vehicles, drivers, and cargo.

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Additional Coverages

Need hired and non-owned auto coverage, roadside assistance, or rental reimbursement? We offer additional options to make sure you’re covered in any situation.

Some basic information that can help you better plan ahead.

  • What does business auto insurance cover?

    Business auto insurance covers liability, physical damage, and additional risks associated with company-owned or leased vehicles. This includes coverage for accidents, injuries, vehicle damage, legal expenses, and even theft or vandalism.



  • Do I need business auto insurance if I use my personal vehicle for work?

    Yes. Personal auto insurance does not typically cover work-related driving. If you or your employees use personal vehicles for deliveries, client visits, or transporting goods, you may need hired and non-owned auto insurance to fill the coverage gap.

  • Is business auto insurance required in Kentucky?

    Yes, Kentucky requires all vehicles—including business-owned vehicles—to carry minimum liability insurance. However, most businesses need higher coverage limits to protect against costly accidents and legal claims.

  • Can I insure multiple vehicles under one policy?

    Absolutely! We offer fleet insurance policies that cover multiple vehicles under one plan, making it simpler and more cost-effective for businesses with two or more commercial vehicles.

  • What’s the process for filing a claim?

    If you need to file a business auto insurance claim, follow these steps:


    • Report the accident – Contact us immediately to start the claims process.
    • Document the incident – Take photos, gather witness statements, and record any damages.
    • Work with an adjuster – An adjuster will assess the damages and process the claim.
    • Receive compensation – Once approved, funds are issued to cover repairs, medical expenses, or legal costs.

    At Ditsler Insurance Agency, we don’t just sell policies—we’re here when you need us, guiding you through every step of the claims process.

The right coverage for every journey.

Every business is different, and so are its auto insurance needs. As an independent agency, we work with top insurers to find the best commercial auto coverage that fits your budget, industry, and vehicle types.


Get a no-obligation quote today and ensure your business vehicles are protected. At Ditsler Insurance Agency, we’re committed to keeping your company moving forward—safely and securely.