Commercial Auto Insurance in Maryland, Pennsylvania, Virginia & Delaware
Rider Insurance is a trusted auto insurance company in Maryland, providing tailored commercial auto insurance in Maryland for fleets, contractors, delivery vehicles, and company-owned cars. Based in Towson, MD, we work closely with Maryland business owners to secure the right coverage at competitive rates, backed by fast service and reliable local claims support.
Whether you operate a single company vehicle or manage a growing fleet, our experienced team ensures your business stays protected on the road.
Why Maryland Businesses Choose Rider Insurance
- Local expertise – As an independent agency serving Baltimore County and the greater Maryland area, we understand state regulations, compliance requirements, and regional risk factors that impact commercial auto insurance costs.
- Multiple carrier options – We compare policies from top-rated insurers to deliver the best mix of price, coverage, and flexibility for your business.
- Quick, responsive service – Enjoy one dedicated point of contact for quotes, endorsements, renewals, and claims—no call-center runaround.
Who Needs Commercial Auto Insurance in Maryland?
Commercial auto insurance is essential for businesses that rely on vehicles, including:
- Delivery, courier & last-mile fleets
- Contractors, tradespeople & service technicians
- Businesses that rent, lease, or hire vehicles
- Companies whose employees use personal vehicles for work
- Businesses requiring Hired Auto Liability coverage
If a vehicle is used for business—even occasionally—a personal auto policy may not be enough.
Commercial Auto Coverage Options We Offer
We customize auto insurance in Maryland to match your business operations. Common options include:
- Liability (Bodily Injury & Property Damage) – Required coverage for third-party injuries and property damage.
- Collision & Comprehensive – Protects company vehicles from accidents, theft, vandalism, and weather events.
- Hired & Non-Owned Auto – Covers rented, leased, or employee-owned vehicles used for business.
- Medical Payments / PIP – Medical coverage for drivers and passengers.
- Uninsured / Underinsured Motorist – Protection if the at-fault driver lacks adequate insurance.
- Cargo & Equipment Coverage – Ideal for businesses transporting goods or using mounted tools.
How We Help Maryland Businesses Save on Commercial Auto Insurance
- Analyze your fleet size, vehicle types, and driver exposure.
- Apply industry-specific underwriting strategies (driver safety programs, maintenance plans).
- Compare multiple insurers to secure the best premium for the right coverage.
- Conduct ongoing policy reviews so coverage evolves as your business grows.
FAQs
Do Maryland businesses need a separate commercial auto policy?
Yes. If vehicles are used for business purposes—such as deliveries, transporting tools, or client visits—a personal auto policy usually won’t cover claims. A commercial auto insurance policy in Maryland is typically required.
What is hired & non-owned auto insurance?
Hired auto covers rented or leased vehicles. Non-owned auto protects your business when employees use personal vehicles for work. Both help prevent costly coverage gaps.
How are commercial auto insurance premiums determined in Maryland?
Premiums depend on vehicle type, driver records, mileage, industry risk, claims history, and selected coverage limits.
How quickly can I get a quote in Towson or Baltimore?
Many quotes are available within 24–48 hours. For faster assistance, call (410) 828-1555.
Does commercial auto insurance in Maryland cover employee drivers?
Yes. Commercial auto insurance in Maryland can cover employees who are authorized to drive company-owned, leased, or hired vehicles. Coverage terms depend on how drivers are listed and whether hired and non-owned auto coverage is included in the policy.
Is commercial auto insurance required for single-vehicle businesses in Maryland?
Yes. Even if your business uses only one vehicle, a commercial policy is often required if the vehicle is used for work purposes. An experienced auto insurance company in Maryland like Rider Insurance can determine whether commercial coverage is necessary and ensure you meet state requirements.
Can commercial auto insurance in Maryland be bundled with other business policies?
Absolutely. Many Maryland businesses bundle commercial auto insurance with general liability, workers’ compensation, or business owner policies (BOPs). Bundling through one auto insurance company in Maryland often results in lower premiums and simplified policy management.
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