Commercial Auto Insurance for Small Businesses & Fleets

Commercial Auto Insurance in Delaware, Maryland & Pennsylvania

Protect your business vehicles across DE, MD, and PA with comprehensive commercial auto insurance from Downes Insurance. Whether you operate a delivery fleet, service vehicles, or ride shares, our independent agency helps you compare top carriers to find tailored protection at competitive rates.

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Why Choose Downes Insurance for Commercial Auto?

• Independent agents licensed in Delaware, Maryland, and Pennsylvania

• Broad access to leading insurers that specialize in commercial fleets

• Expertise with state-level requirements—from liability minimums to regulatory filings

• Personalized underwriting and fast, no-obligation quotes

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Coverage That Works for Your Business

We provide customized protection options designed to meet the diverse needs of commercial operations:

• Liability insurance — Covers bodily injury and property damage from accidents

• Collision & comprehensive — Protects vehicles from crashes, theft, or weather-related damage

• Medical payments and Uninsured/Underinsured Motorist — Additional safety nets for drivers and third parties

• Hired/non-owned auto — For leased or employee-owned vehicles used for business purposes

• Fleet policies — Coverage solutions for multi-vehicle operations of virtually any size

• Specialty vehicles — Tailored policies for contractors, utility trucks, landscapers, food service, and more

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Who Needs Commercial Auto Insurance?

If your business uses vehicles in any of these ways, you need specialty coverage:

• Business-owned cars, vans, or trucks

• Delivery services and couriers

• Contracting, service, or utility industries

• Rideshare and gig-economy drivers

• Any employee-, leased-, or company-owned vehicle used for business

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Save Time & Money

Bundling your fleet insurance with other business policies—such as your Business Owner’s Policy or workers’ compensation—can unlock discounts and simplify billing and claims management.

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Fast, No-Obligation Quote Process

1. Provide basic information about your business and vehicles

2. We review and compare tailored coverage options from multiple insurers

3. Receive a personalized commercial auto insurance quote—fast and without any pressure

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Why Partner with Downes Insurance?

• Licensed, experienced agents focused on DE, MD, and PA business needs

• Broad carrier network offering solutions for light, medium, and heavy-duty vehicles

• Responsive service, clear guidance on state-specific regulations, and claims support

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Whether you manage one service van or an entire fleet, Downes Insurance delivers the expertise and competitive pricing your business demands.