Commrecial Vehicle Insurance in McHenry, IL & Northern Illinois
If it's got your name on the door, it needs more than a personal auto policy.
The moment a vehicle is used for business purposes — deliveries, service calls, hauling equipment, transporting clients — your personal auto policy steps aside. We shop commercial vehicle coverage across multiple carriers to get the right protection for your vehicles, your drivers, and your liability exposure.
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Why Choose Ryan P. Conway Agency
One agent for your whole fleet — not a different rep every renewal.
Commercial vehicle insurance is one of the most mispriced lines in the industry right now. Rates vary dramatically between carriers based on your vehicle type, industry, driver history, and radius of operation. As an independent agency, we compare quotes across multiple A-rated carriers every renewal cycle — not just when you first sign up. Same local agent, same phone number, year after year.
Commercial Vehical Insurance Coverage Options
The policies that keep your vehicles — and your business — on the road
Commercial auto coverage is built around the same core components as personal auto, but with limits, definitions, and exclusions designed for business use.
Commercial Liability
Covers bodily injury and property damage you cause to others while operating a business vehicle. Required in Illinois and Wisconsin, and typically required at higher limits than personal auto by clients and contracts.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault — whether it's a fender-bender at a job site or a highway collision.
Comprehensive Coverage
Covers non-collision losses: theft, vandalism, fire, hail, and weather damage. Especially important for vehicles parked at job sites or stored outdoors overnight.
Uninsured/Underinsured Motorist
Protects your business when one of your drivers is hit by a motorist who has no insurance or insufficient coverage to pay for the damage.
Uninsured/Underinsured Motorist
Protects your business when one of your drivers is hit by a motorist who has no insurance or insufficient coverage to pay for the damage.
Medical Payments
Covers medical expenses for your driver and passengers after an accident, regardless of fault — helps manage costs before a liability determination is made.
Hired & Non-Owned Auto
Covers vehicles your business uses but doesn't own — rented trucks, employee personal vehicles used for work errands, or borrowed equipment haulers. A critical gap most businesses don't know they have.
Roadside & Rental Reimbursement
Keeps your operations moving when a vehicle is out of commission — towing, roadside service, and a rental vehicle while yours is being repaired.
Have questions about the right coverage? Contact Us
Use Cases
Who needs commercial vehicle insurance in our region
The answer is broader than most business owners expect — it's not just trucking companies and delivery fleets.
Contractors & Trades
Electricians, plumbers, HVAC techs, and carpenters hauling tools and materials to job sites every day. One accident in a work truck without proper commercial coverage can expose your business to an uncovered six-figure claim.
Service Businesses
Lawn care, pest control, cleaning services, mobile pet grooming — any business where employees drive to customers needs commercial auto. The vehicle type doesn't matter; the business use does.
Delivery & Courier Operations
Whether it's a single delivery van or a growing fleet, delivery operations carry significant liability exposure on every run. We work with carriers that specialize in last-mile and regional delivery risks.
Businesses with Employee Drivers
The moment an employee drives on your behalf — even in their own vehicle — your business has a liability exposure. Hired and non-owned auto coverage addresses exactly this scenario.
Local Services
Commercial Vehicle Insurance Throughout Northern Illinois
Ryan P. Conway Agency is based in McHenry, Illinois, and we write commercial vehicle insurance for businesses throughout Northern Illinois and Southern Wisconsin. We work with contractors, service businesses, delivery operations, and multi-vehicle fleets across McHenry County, Lake County, and the communities along the Wisconsin border.
- McHenry
- Crystal Lake
- Woodstock
- Algonquin
- Lake in the Hills
- Cary
- Huntley
- Marengo
- Fox Lake
- Antioch
- Wauconda
- Grayslake
- Lindenhurst
- Lake Geneva
- Genoa City
- Twin Lakes
- Walworth
- Williams Bay
McHenry
Crystal Lake
Woodstock
Algonquin
Lake in the Hills
Cary
Huntley
Marengo
Fox Lake
Antioch
Wauconda
Grayslake
Lindenhurst
Lake Geneva
Genoa City
Twin Lakes
Walworth
Williams Bay