Commercial Auto Insurance
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Commercial Auto Insurance for Businesses
Running a business that relies on vehicles comes with constant risks—road accidents, breakdowns, theft, delays, and unexpected losses. Every minute your vehicle is off the road, your business suffers.
Pak Motor Guard offers commercial auto insurance solutions designed to protect:
- Delivery vans
- Commercial cars
- Food delivery vehicles
- Ride-share drivers
- Construction vehicles
- Company-owned fleets
Whether you own a small business or manage a nationwide fleet, we help you keep your operations running smoothly and safely.
Our mission is to provide accessible, affordable, and reliable commercial auto protection for companies big and small.
What is Commercial Auto Insurance?
Commercial Auto Insurance protects your business vehicles against financial losses from collisions, road accidents, third-party damages, commercial usage risks, theft, and operational disruptions.
This coverage ensures that your business vehicles, employees, customers, and cargo remain protected at all times.
With Pak Motor Guard, your business gets coverage for:
- Company cars
- Delivery vehicles
- Transport vans
- Utility and service vehicles
- Pickup trucks
- Commercial Suzuki vehicles
What Does It Cover?
Commercial vehicles face higher risks than personal cars. That’s why we offer strong coverage options suitable for all industries.
Below are the main coverages included in a commercial auto policy:
1. Comprehensive Commercial Coverage
Protects business vehicles from collision damage, theft, vandalism, fire, and weather-related losses, ensuring your business operations remain uninterrupted after unexpected incidents.
2. Third-Party Liability Insurance
Covers bodily injuries, commercial property damage, and vehicle damage caused to others, protecting your business from costly legal and financial claims.
3. Driver & Passenger Accident Coverage
Provides financial protection in case your employee drivers or passengers are injured during business operations, ensuring workplace safety and security.
4. Cargo & Goods-in-Transit Coverage
Covers damage or loss of commercial goods during transportation, helping businesses avoid major financial setbacks from damaged deliveries.
5. Breakdown Vehicle Assistance
Offers towing, repairs, and replacement vehicle options to keep your business running even when a vehicle becomes unusable due to accidents or breakdowns.
6. Legal Expense Coverage
Covers legal fees resulting from accident claims, business disputes, driver-related incidents, or road-related litigation involving commercial vehicles.
How Much Does Commercial Auto Insurance Cost?
Pricing depends on several business-specific factors:
- Type and number of vehicles
- Vehicle usage and routes
- Driver experience and history
- Vehicle value and condition
- Business location (city/region)
- Cargo type
- Claims history
- Business industry
Average pricing:
- Small delivery car: Starting from Rs. 14,000 yearly
- Vans and pickups: Starting from Rs. 26,000 yearly
Trucks and heavy transport: Based on capacity and route
Pak Motor Guard partners with top Pakistani insurers to provide multiple competitive quotes tailored to your business.
Common Claim Scenarios
🚚 Commercial Accident Damage
Problem: Your delivery van hits another vehicle in Karachi, causing heavy front damage.
Outcome: Commercial Comprehensive Insurance covers the repair costs and downtime.
📦 Goods-in-Transit Loss
Problem: During delivery, your cargo gets damaged due to sudden braking in traffic.
Outcome: Goods-in-Transit coverage compensates for damaged items.
🛠️ Vehicle Breakdown Service
Problem: A commercial Suzuki breaks down during a delivery route in Lahore.
Outcome: Pak Motor Guard arranges towing and quick workshop repairs.
customize your coverage
There are many types of commercial vehicles out there. Ranging from small autos to tractor/trailers. We insure them all. Find out what programs and policies fit your companies needs. With so many risk exposures, you want to be sure you get the best policy for your business. Let us help you. Our agents have many years of commercial experience and we stand ready to assist you. Speak with a live agent today or fill out one of our simple contact forms below.
Frequently asked questions
Who needs Commercial Auto Insurance?
Any business using vehicles cars, vans, trucks, loaders, delivery bikes, or entire fleets should have commercial auto insurance for legal protection and financial safety.
What types of vehicles are covered?
We cover all business vehicles including:
- Commercial cars
- Pickups and delivery vans
- Trucks and containers
- Ride-hailing cars (Careem, Uber, InDrive)
- Company-owned fleets
- Motorbikes used for business
How is the premium calculated?
Premiums depend on:
- Vehicle type and model
- Business use
- Driver history
- Location and risk level
- Chosen coverage plan
How long does claim approval take?
What Our Customers Say
Read what businesses across Pakistan say about our Commercial Auto Insurance. Discover real experiences from fleet managers and company executives who trust Pak Motor Guard for reliable coverage, quick claims, and professional support.
