Commercial Auto Insurance for Oklahoma Businesses
Business vehicles face more exposure than personal cars—accidents, theft, property damage, and liability.
Conway Insurance builds commercial auto coverage for trucks, service vehicles, fleets, and more—ensuring the right drivers, uses, and vehicles are protected under your business policy.
Need to insure company vehicles or want a commercial auto review?
What Does Commercial Auto Cover?
Liability Coverage
Bodily injury and property damage to others resulting from business vehicle use.
Physical Damage Coverage
Collision and comprehensive protection, including theft, vandalism, fire, and weather-related damage.
Medical Payments (Med Pay)
Covers medical expenses for the driver and passengers, regardless of fault.
Uninsured & Underinsured Motorist (UM/UIM)
Protects your driver and passengers if they are hit by a driver with little or no insurance.
Hired & Non-Owned Auto
Coverage for rented, leased, or employee-owned vehicles used for business purposes.
Towing & Roadside Assistance (Optional)
Coverage for breakdowns, towing, and roadside service.
Note: Personal auto policies typically exclude business use and vehicles titled to a business. Commercial auto coverage is required for proper protection.
Understanding Wind & Hail Deductibles in Oklahoma
Every Oklahoma homeowner should understand how wind and hail deductibles function, especially percentage deductibles tied to dwelling limits.
Flat vs. percentage deductibles
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How storm deductibles apply during a claim
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Common exclusions
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How to compare policy structures across carriers
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Local Support from Midwest City & Edmond
Homeowners insurance decisions should not rely solely on online quote forms.
When you call Conway Insurance, you reach a local office—not a call center. We review:
Your current policy structure
Deductible alignment
Coverage limits
Carrier comparisons
Claim history considerations
Prefer online? Submit our form and we’ll follow up:
Who Needs Commercial Auto Insurance?
- Any business owning, leasing, or using vehicles for work
- Contractors, service companies, delivery and sales fleets
- Businesses with employee drivers, vehicle signage, or equipment transport
Why Conway Insurance
Independent agency with multiple commercial auto carriers
Guidance for proper driver, vehicle, and radius classification
Help with certificates, filings, and claims support
Ongoing support as vehicles, drivers, or operations change
Frequently Asked Questions
Do I need commercial auto if I use my car for business?
If the vehicle is titled to the business, used for deliveries, or regularly used for work, yes—personal auto usually won’t cover business use.
Can I cover multiple vehicles or a fleet?
Yes—policies can be structured for single vehicles , few vehicles, to large fleets.
What about employee-owned vehicles used for work?
Hired and non-owned auto coverage addresses this risk.
How are commercial auto rates set?
Based on factors such as driver history, vehicle type, business type, how the vehicles are used, garaging location, and radius of operation.
Still have questions? Call Conway Insurance or request a quote.
Keep Your Business and Vehicles Protected Every Mile.
Call our Midwest City or Edmond office for a commercial auto quote:
Midwest City Office:
(405) 733-2886
Edmond Office:(405) 245-1484