If your business vehicles are on the road, you face more than just regular driving risks. Having the right commercial auto insurance helps protect your company’s vehicles, drivers and operations in Wisconsin. 

At Senica Insurance, we help businesses in Stevens Point, Appleton, and throughout the state secure coverage tailored to how they use their vehicles.

Guaranteed Quote within 24 hrs.

We work quick and efficiently to get you fast & accurate quotes.

We make it a Fast & Easy process

We use confidential E-Forms so you can easily sign and send documents.

We give you choices, to get the best coverage

With access to multiple companies we check rates and coverage types with multiple companies at once.

Save money, see the savings we can get you!

By shopping around you can rest assured we are getting you the best policy and price in the market.

What’s Covered Under a Commercial Auto Policy

Your policy can be customized depending on vehicle types, usage and business size. Typical coverage includes:

  • Liability Coverage – Covers bodily injury and property damage your business causes with a vehicle.
  • Collision Coverage – Replaces or repairs your vehicle after a collision with another object or vehicle.
  • Comprehensive Coverage – Covers losses from theft, vandalism, fire, hail or other non-collision events.
  • Hired & Non-Owned Auto Coverage – Protection if you lease vehicles or employees drive their own cars for business.
  • Uninsured/Underinsured Motorist Coverage – Protects your business when another driver lacks sufficient insurance.

Optional add-ons include rental reimbursement, roadside assistance, cargo coverage (for trucks), and mobile equipment endorsements.

Why Your Business Needs Commercial Auto Insurance

Using vehicles for your business exposes you to unique liabilities. Whether you’re making deliveries, transporting equipment, or traveling between job sites, the right commercial auto policy covers you when things go wrong:

  • Coverage for damage to your vehicles after a covered loss
  • Liability protection if your business vehicle causes injury or property damage
  • Protection for non-owned or hired vehicles your business uses

For Wisconsin businesses, personal auto policies often won’t cover business-use vehicles — that’s when commercial auto insurance becomes essential.

Wisconsin-Specific Driving & Business Vehicle Risks

Operating business vehicles in Wisconsin means navigating local risks:

  • Harsh winter conditions, including ice, snow, and reduced visibility, increase collision risk.
  • Rural routes, job-site driving, and regional deliveries increase fleets’ exposure.
  • City traffic in places like Appleton or greater metro corridors brings its own liability issues.

Our Stevens Point and Appleton offices understand these local driving realities and help tailor your commercial auto plan accordingly.

Why Work With Senica Insurance for Your Commercial Auto Needs

  • Local expertise – Based in Stevens Point with visibility in Appleton, our agents know Wisconsin’s business-auto risks.
  • Independent agency advantage – We work with multiple carriers to compare options and find the best fit for your budget and operations.
  • Dedicated service – From single-vehicle businesses to multi-vehicle fleets, we make sure you understand terms, limits and exclusions.
  • Comprehensive business protection – We can bundle your commercial auto with other business insurance (like liability, property or workers’ comp) for streamlined coverage.

Get a Quote for Commercial Auto Insurance

Your business depends on its vehicles. Let Senica Insurance help you get the coverage you need so you can focus on operating with confidence. Whether you’re based in Stevens Point, Appleton or anywhere in Wisconsin, we’re here to protect your fleet, your drivers and your future.

Request a Quote Today