Commercial Auto Insurance in Hattiesburg
Keep Your Business on the Road — and Fully Covered
Whether you’re running deliveries across Forrest County or managing service routes through Lamar and Perry counties, your business vehicles play a vital role in keeping operations moving. At Howlett Insurance Agency, we offer reliable, tailored commercial auto insurance solutions that protect your vehicles, your drivers, and your bottom line.
What Does Commercial Auto Insurance Cover?
Commercial Auto Insurance protects vehicles used for business purposes — from single work trucks to full fleets. Core coverages include:
Liability Coverage
Covers third-party injuries and property damage when your vehicle is at fault in an accident.
Physical Damage (Collision & Comprehensive)
Pays to repair or replace your business vehicles after an accident, theft, vandalism, hail, or other covered events.
Uninsured/Underinsured Motorist Coverage
Covers your costs if an uninsured or underinsured driver hits your company vehicle.
Medical Payments / Personal Injury Protection (PIP)
Pays medical expenses for your driver and passengers after a covered accident — regardless of fault.
Hired & Non-Owned Auto Coverage
Covers liability for vehicles your business uses but doesn’t own — including rented or employee-owned cars used for business.
We also cover specialty and industry-specific vehicles, trailers, and equipment haulers.
Industries We Serve
We understand that every business relies on its vehicles differently. That’s why we build custom coverage plans based on how you operate. Common industries we serve include:
Contractors & Construction
Protection for work trucks, utility vans, and trailers carrying tools and materials to job sites.
Restaurants & Food Vendors
Coverage for food trucks, catering vans, and delivery vehicles — including contents and equipment.
Retail & Delivery Services
Policies for delivery cars, service fleets, and inventory transportation vehicles.
Janitorial & Cleaning Crews
Protection for vehicles hauling cleaning equipment and crew members to client locations.
Professional Services
Coverage for staff traveling to client meetings, court appearances, or service appointments.
Why Choose Howlett Insurance Agency?
Your vehicles are more than transportation — they’re vital business assets. Here's why business owners across Hattiesburg trust us:
Tailored Coverage That Matches Your Work
From daily deliveries to job-site hauls, we customize your policy to fit how your business actually operates.
Access to Top Commercial Auto Carriers
We shop multiple trusted insurers to ensure you get strong coverage at competitive pricing.
Independent, Unbiased Advice
We don’t push one product. We break down your options clearly so you can make the best choice for your operation.
Local Claims Support
If the unexpected happens, we’re right here in Hattiesburg to guide you through the claims process step-by-step.
Common Questions About Commercial Auto Insurance
Do I need commercial auto insurance for personal vehicles used for business?
Yes — most personal auto policies exclude business use. If you’re using your personal car for deliveries, job sites, or client visits, a commercial policy or endorsement is essential.
Are employees covered when driving company vehicles?
Yes — as long as they’re authorized drivers listed on the policy or covered under your company’s permissive use terms.
What vehicles can be insured under a commercial policy?
We insure a wide range — from sedans and SUVs to box trucks, flatbeds, and heavy-duty vans. We tailor coverage by vehicle class and use.
Can I combine my commercial auto policy with other coverages?
Absolutely. Many businesses bundle auto with General Liability, Business Property, or a Business Owners Policy (BOP) for better rates and easier management.
What affects my commercial auto insurance premium?
Rates are influenced by your vehicle types, driving history, mileage, employee driver records, and coverage limits. We’ll compare quotes to find the best fit.
Drive Your Business Forward — Fully Protected
Whether it’s one work truck or a dozen delivery vans, we help Mississippi business owners get the right coverage with real support — no call centers, no confusion.