From the busy streets of Hartford to the shoreline of New Haven, Connecticut companies rely on their vehicles every day to keep operations running smoothly. Whether you’re delivering goods, transporting equipment, or attending trade shows across the state, you need protection that’s built for how you drive. GEICO’s commercial auto insurance offers flexible options designed for Connecticut professionals, so you can stay focused on serving your customers while we help keep your vehicles protected.
Commercial auto insurance protects vehicles used for work activities. Unlike a personal auto policy, which covers everyday use, a commercial auto policy accounts for the added risks that come with driving a business vehicle. These policies typically offer higher liability limits and the ability to insure multiple vehicles and drivers under one policy. Every policy is different, so confirm with your insurer what tasks are allowable under your personal auto policy.
If an accident occurs while an employee is using your business vehicle, commercial auto insurance helps pay for the damages. To ensure you’re financially covered, list all employees who drive your company vehicles on your policy.
If you use a vehicle for business purposes in Connecticut, a personal auto policy likely isn’t enough. Vehicles titled in a business name, over a certain weight, or used for work-related tasks usually require commercial auto insurance. Common professions and businesses that benefit from commercial auto insurance in Connecticut include:
Connecticut requires businesses to maintain a minimum amount of liability coverage and uninsured/underinsured motorist coverage to protect the people on its roads. Connecticut’s state minimum liability limit is referred to as a split limit, meaning the dollar amounts payable by your insurer for bodily injury and property damage are split into the three groups below.
| Coverage Type | Minimum Requirement in Connecticut |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured/Underinsured Motorist | $25,000 per person / $50,000 per accident |
The commercial auto insurance minimums required by state law are a great place to start, but many business owners in Connecticut add coverages like the following to their policies for more protection:
Connecticut businesses that rely on larger commercial vehicles may need to meet federal safety and registration requirements. The Federal Motor Carrier Safety Administration (FMCSA) and the U.S. Department of Transportation (USDOT) require many companies to obtain a USDOT number if their vehicles weigh 10,001 pounds or more or transport hazardous materials.
FMCSA rules may also mandate routine vehicle inspections, up-to-date driver qualification files, and adherence to hours-of-service guidelines. Depending on your industry, Connecticut businesses may also need to keep detailed records and implement drug and alcohol testing programs for their commercial drivers.
GEICO’s commercial auto policies cover multiple types of vehicles in Connecticut, including:
The cost of commercial auto insurance in Connecticut depends on several factors, including your industry, the type of vehicle you drive, and the activities that your vehicle is used for. Your driving history and coverage limits also help determine your premium. The size of any previous claim settlements generally does not impact the cost of your insurance.
GEICO offers commercial auto insurance payment plans to help Connecticut businesses get the protection they need at a price they can afford.
Looking for ways to lower your premium? GEICO offers various commercial auto insurance discounts and reward programs in Connecticut, such as:
Connecticut business owners trust GEICO because we make commercial auto insurance simple, affordable, and reliable. With coverage options tailored for small and mid-sized businesses, you’ll get protection that fits the way you use your vehicles, whether you’re in Stamford, Bridgeport, or anywhere in between. Plus, with a dedicated live support team it’s easy to get the assistance you need exactly when you need it.
GEICO partners with trusted carriers to offer optional coverages like General Liability (GL) and Business Owner’s Policies (BOPs), providing you with the flexibility to protect your business on and off the road. With competitive rates and a history of helping Connecticut drivers, GEICO is a wise choice for protecting your business.
Ready to protect your business vehicle in the Constitution State? Get a fast, free Connecticut commercial auto insurance quote online from GEICO, or contact us for guidance you can count on.