
Choice Insurance Agency
Commercial Auto Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
Whether your company owns a single delivery van or an entire fleet of trucks, keeping those vehicles protected is essential. At Choice Insurance, based in Massachusetts, we understand the unique needs of local businesses. Commercial auto insurance can help reduce financial risk if one of your business vehicles is involved in an accident, suffers damage, or causes injury.
We work with businesses across the state, from Boston to Springfield, providing access to coverage options that align with Massachusetts regulations and your specific operations.
What Is Commercial Auto Insurance?
Commercial auto insurance is designed to help protect vehicles used for business purposes. This could include cars, vans, trucks, or specialty vehicles that are owned, leased, or rented by a business.
Policies typically offer options for liability protection, physical damage, medical payments, and coverage for uninsured or underinsured motorists. These protections may help cover costs if your vehicle is involved in a collision, if property is damaged, or if someone is injured while using a business vehicle.
Quotes Available in Massachusetts & Other States

Words from our Clients
Gained a customer for life.
Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.
Great people, great insurance, great advice, great price.
Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.
I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.
I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.
Who Needs Commercial Auto Insurance in Massachusetts?
In Massachusetts, businesses that use vehicles for work-related purposes are generally required to carry commercial auto insurance. This includes a wide range of industries, such as:
- Contractors and construction companies
- Landscaping and snow removal services
- Delivery and courier businesses
- Catering and food trucks
- Real estate agents and consultants
- Any company with employees who drive as part of their job
Even if your business uses personal vehicles for commercial tasks, a personal car insurance policy may not provide the protection you need. Commercial auto policies are typically designed to account for higher liability limits and business-specific risks.
What Types of Coverage Are Available?
While coverage options vary by carrier and policy, a commercial auto insurance policy in Massachusetts may include:
- Liability Coverage: This can help with costs if your business vehicle is responsible for an accident that causes injury or property damage.
- Collision Coverage: This typically helps pay for damage to your business vehicle after an accident involving another vehicle or object.
- Comprehensive Coverage: This may cover events like theft, vandalism, or damage caused by weather or falling objects.
- Uninsured/Underinsured Motorist Coverage: This can help protect your business if the other driver lacks sufficient insurance.
- Medical Payments Coverage: This can assist with medical costs for drivers or passengers injured while using your business vehicle.
- Hired and Non-Owned Auto Coverage: This is for businesses that rent vehicles or have employees using personal cars for work tasks.
Every business is different, and coverage needs can vary. A Choice Insurance advisor can help you explore options suited to your operations and vehicle use.
How Are Massachusetts Commercial Auto Insurance Requirements Different?
Massachusetts has specific requirements that differ from many other states. Businesses must carry a minimum level of liability coverage to comply with state laws, and the state is also considered a “no-fault” jurisdiction.
This means that if an accident occurs, each driver’s insurance may help cover their own medical expenses regardless of who was at fault. Massachusetts also requires coverage for personal injury protection (PIP), which is a key difference from commercial auto policies in some other states.
Our team at Choice Insurance understands the state-specific guidelines and works to ensure your business is aligned with local insurance expectations.

How Is Commercial Auto Insurance Priced in Massachusetts?
Premiums for commercial auto insurance are influenced by several factors, including:
- The number and type of vehicles used
- Vehicle value and how they’re used in the business
- Driver history and records
- Business location and operational territory
- Selected coverage limits and deductibles
For Massachusetts businesses, pricing can also be affected by regional considerations such as traffic density, accident statistics, and weather conditions. Urban areas like Boston may see different rates than rural communities in the Berkshires.
At Choice Insurance, we work with multiple insurance carriers to help you compare options and find policies that align with your budget and risk profile.
What Information Do You Need to Get a Quote?
To start a commercial auto insurance quote in Massachusetts, it’s helpful to have the following:
- Business name and type
- Vehicle information (year, make, model, VIN)
- How each vehicle is used in the business
- Number of employees and who drives
- Driving history for all operators
- Desired coverage levels
Providing accurate and detailed information helps ensure the quote reflects your actual needs. Our agents can guide you through the process to make it as smooth as possible.
How Can Choice Insurance Help Your Massachusetts Business?
Choice Insurance is a locally rooted agency that focuses on personalized service and risk solutions for Massachusetts businesses. We understand the challenges that come with running a business in this region—from harsh winters to high traffic areas.
When it comes to commercial auto insurance, we offer:
- Access to multiple A-rated insurance carriers
- Tailored recommendations based on your operations
- Local claims support and service
- Ongoing reviews to help you adjust as your business grows
Our advisors aim to make insurance straightforward, so you can focus on your business knowing your vehicles have protection in place.

Ready To Explore Commercial Auto Insurance Options?
Whether you’re operating across Massachusetts or in a single community, Choice Insurance is here to help. We offer clear guidance, flexible options, and a commitment to local service.
Let’s talk about how commercial auto insurance could help safeguard your business vehicles and drivers. Contact us today to get started!
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