If your business relies on vehicles to keep operations running smoothly, having the right commercial auto insurance matters. At Hausmann Group, we help Wisconsin businesses find coverage designed to support their specific needs. From small fleets to multiple vehicle types, we work with clients to identify options that align with their business activities and risk profile.

Based in Wisconsin, our team understands the challenges and needs local businesses face when it comes to protecting vehicles used for business purposes. Whether your vehicles are out on snowy rural roads or busy city streets, we’re here to help you find solutions that support your operations and goals.

What Is Commercial Auto Insurance?

Commercial auto insurance is a type of policy designed for vehicles used in the course of doing business. It can apply to cars, trucks, vans, and specialty vehicles that are owned, leased, or operated by a business. Whether you're transporting goods, carrying tools to a job site, or driving between locations, commercial auto insurance helps businesses manage potential financial risks associated with vehicle-related incidents.

Personal auto policies generally do not cover accidents or liabilities that occur while using a vehicle for business. That’s where commercial coverage can come in. Depending on the policy, coverage may extend to liability, property damage, collision, and more, based on the specific terms and needs of your business.

Who Needs Commercial Auto Insurance in Wisconsin?

If your Wisconsin business uses vehicles for work-related purposes, commercial auto insurance may be worth considering. This applies whether you have a single work van or a large fleet of trucks.

Common types of businesses that may benefit from this type of policy include:

• Contractors and construction companies
• Delivery and logistics providers
• Real estate agencies
• Landscaping and snow removal services
• Mobile service providers (e.g., plumbers, electricians)
• Food trucks or mobile vendors

Even if employees drive personal vehicles for business tasks, your business could still be exposed to risks. That’s why it’s important to assess your situation carefully with a knowledgeable insurance partner.

How Can Commercial Auto Insurance Support Your Business?

A commercial auto policy can help protect your business from the financial impact of accidents, damages, or legal claims involving your vehicles. Depending on your plan, coverage may include:

• Auto Liability: Helps address injuries or property damage to others if your business vehicle is involved in an accident.
• Physical Damage: May include collision and comprehensive coverage for repairs or replacement of your business vehicle after a covered loss.
• Uninsured or Underinsured Motorist: Offers protection if your vehicle is hit by a driver who lacks adequate coverage.
• Medical Payments: May provide support for medical costs for you or your passengers after an accident, depending on the situation.
• Hired and Non-Owned Auto Coverage: Designed for businesses that rent vehicles or have employees using personal cars for business purposes.

Each business has different needs depending on its size, operations, and the types of vehicles involved. That’s why it’s important to review all available options.

What Factors Affect the Cost of Coverage?

Premiums for commercial auto insurance can vary based on several key factors. While no two businesses are exactly alike, insurers may consider the following:

• Number and Type of Vehicles: Heavier or specialized vehicles often carry more risk and may cost more to insure.
• Driving History: A clean driving record for the business and its drivers can influence costs.
• Vehicle Use: How often and how far vehicles are driven for business purposes can be a factor.
• Location: Operating in areas with high traffic or frequent weather-related claims may impact pricing.
• Business Type: Industries with higher risk exposure may see different premium ranges.

By working with an experienced agency, you can better understand how these variables apply to your situation and explore coverage options tailored to your operations.

Why Work With Hausmann Group?

Since 1919, Hausmann Group has been a trusted insurance partner for Wisconsin businesses. We take a consultative approach, listening to your goals and evaluating the risks specific to your operations.

Our team works closely with a wide network of carriers to help you compare commercial auto insurance options. We take the time to explain coverages in plain language so you can make informed decisions. Whether you're just getting started or reviewing an existing policy, we’re here to support you at every stage.

We’re proud to serve businesses across Wisconsin, from Madison and Milwaukee to rural communities throughout the state. Our knowledge of regional industries and local regulations allows us to offer insights that are relevant to your business and your geography.

What Should You Look for in a Commercial Auto Policy?

Finding the right commercial auto insurance starts with understanding your business needs. Here are a few things to keep in mind during the process:

• Accurate Vehicle Use Reporting: Be clear about how each vehicle is used to help insurers provide appropriate coverage.
• Driver Screening and Training: Some carriers consider your hiring practices and driver safety programs.
• Policy Limits and Deductibles: Evaluate how much risk your business can reasonably absorb in the event of a loss.
• Optional Add-Ons: Depending on your operation, you may want to consider additional coverage features or endorsements.
• Claim Support: Understand how claims will be handled and what support is available when you need it most.

Reviewing these areas with a local agency like Hausmann Group can help ensure your coverage aligns with your business goals.

How Do You Get Started?

Whether you're launching a new business or updating your existing insurance strategy, Hausmann Group is ready to help. The first step is a conversation with our team. Reach out today and we’ll get to know your operations, your vehicles, and what matters most to your company. From there, we can explore coverage options that are a good fit for your needs.

Protecting your business on Wisconsin roads takes more than just paperwork. It takes an insurance partner who understands your industry and your region. That’s what we strive to offer every client we serve.