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.
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Why commercial auto insurance is a hard market right now
64%
Rise in commercial auto liability claim severity since 2015, driven by nuclear verdicts and litigation costs
$1,762
Average annual commercial auto premium for a small business — but rates vary widely by industry and vehicle type
13
Consecutive years the commercial auto insurance sector has operated at an underwriting loss, putting upward pressure on premiums industry-wide
This is a market where shopping carriers at every renewal genuinely matters. Claim severity data: Insurance Business Magazine, citing industry loss data. Average premium: Copeland Insurance, citing industry data. Underwriting loss streak: Insurance Information Institute via CarInsurance.com.
The Gap Most Businesses Miss
Your personal auto policy stops at the driveway when it's a business trip.
If a vehicle is being used primarily for business, a personal auto policy either excludes the claim or severely limits coverage. This catches business owners off guard most often with: a single work truck that doubles as a personal vehicle, employees using their own cars to make deliveries or run business errands, and leased or rented vehicles used for a job. If your business touches a vehicle in any of these ways, we need to make sure it's covered correctly.
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
Common Questions
Commercial Vehicle Insurance FAQ
What's the difference between commercial auto and personal auto insurance?
Personal auto policies exclude or severely limit coverage when a vehicle is used for business purposes — making deliveries, transporting clients, hauling equipment, or any use beyond normal commuting. Commercial auto is specifically designed to cover business use, with higher liability limits and definitions that actually apply to how work vehicles are used.
Do I need commercial auto if I only have one work truck?
Yes, if that truck is used for your business. One vehicle doesn't change the exposure — it just means you need one commercial auto policy rather than a fleet policy. The liability limits on a personal auto policy are also typically far lower than what business use demands.
What is hired and non-owned auto coverage?
Hired auto covers vehicles you rent or borrow for business use. Non-owned auto covers employee personal vehicles used for business errands — making a bank deposit, picking up supplies, or making a client delivery. Most business owners don't realize their GL policy doesn't cover these scenarios. It's a frequently missed gap.
Does commercial auto cover my tools and equipment in the vehicle?
No. Commercial auto covers the vehicle and liability — not the contents. Tools, equipment, and materials in your vehicle are covered under a separate inland marine or commercial property policy. We can quote both together so nothing falls through the cracks.
How are commercial auto rates determined?
Carriers look at: vehicle type and weight, business use and radius of operation, driver ages and MVR history, annual mileage, prior claims, and industry. A roofing contractor's pickup and an office manager's sedan are priced very differently even with the same limits. This is why shopping multiple carriers at every renewal makes a real difference.
Can I list employees as drivers on my commercial auto policy?
Yes — and you should. Named driver policies require you to list all drivers and their license information. Carriers will run motor vehicle records (MVRs) on each driver. Employees with poor driving records can affect your rate significantly, which is also a reason to have a written driver policy for your business.
What if an employee gets into an accident in their own car while running an errand for me?
Your business can still be held liable. This is the non-owned auto exposure — and it's why hired and non-owned auto coverage matters even for businesses that don't own a single vehicle. Without it, a claim from that errand lands on your general liability policy or directly on your business.
Do I need separate coverage for a trailer?
Typically yes. A trailer attached to your commercial vehicle is generally covered for liability while towing, but damage to the trailer itself usually requires a separate endorsement or inland marine policy. If your trailer carries significant equipment or has real replacement value, dedicated coverage is worth having.