Comprehensive Commercial Auto Insurance

If you are a business owner who depends on a single vehicle or even a fleet of vehicles to drive your business, a business automobile policy can help you protect your livelihood. AFSA offers commercial auto insurance policies customized to meet your specific needs. Key coverages include bodily injury/property damage, physical damage, and rental reimbursement.

We Cover the following Businesses:

  • Service Providers
  • Manufacturers
  • Wholesalers & Retailers
  • Artisans & Contractors
  • Auto Salvage Haulers
  • Heavy Construction
  • Commercial & Road Construction
  • General Contractors
  • Body Shops
  • Landscapers & Snowplowers
  • Auto Repair & Maintenance
  • Towing Services
  • Gas & Service Stations

Providing Coverage For:

  • Cars, Vans, Pickup Trucks, & SUVs
  • Dump Trucks
  • Tractor & Trailer Combinations
  • Box, Straight, & Refrigerated Trucks
  • Stake Trucks & Sprinter Vans
  • Flatbeds, Wreckers, & Tow Trucks
  • Car Carriers, Rollbacks, & Roll-Offs
  • Pickups with Fifth-Wheel Hitches
  • Step & Delivery Vans


Whether you're a handyman or large industrial builder, your vehicles are integral to your operation. We help you create a customized commercial insurance policy to suit your business needs.

For-Hire Transportation

For-hire truckers are more than drivers, they are business owners. With your life spent on the road, you need protection no matter where you run even when you are off the clock.

Key Coverages:

  • Primary Liability
  • Non-Trucking Liability
  • Motor Truck Cargo
  • Motor Trucking General Liability
  • Rental with Downtime
  • Refrigeration Breakdown
  • Physical Damage

Covers the Following Businesses:

  • General Freight
  • Agricultural Hauling
  • Household Movers
  • Expediters
  • Refrigerated Goods Transport
  • Escort Services-Trucks & Autos
  • Auto Haulers

Tow Program

Whether you provide round-the-clock towing services or occasional tows, you need coverage for your vehicles and your customer's vehicles. We offer affordable coverage for:

  • Primary Liability
  • On-Hook Liability
  • Garage Keepers Legal Liability
  • Roadside General Liability

Route Distributor Program

Route distributor insurance is as important to the future of your business as on-time delivery and product safety. Running the day-to-day operations of a route gives you plenty to worry about. You don't need insurance coverage added to the list. Route distributor Insurance is one of our specialties. Key coverages include:

  • Liability & Property Damage
  • Comprehensive & Collision
  • Motor Truck Cargo
  • Refrigeration Breakdown
  • Rental Reimbursement
  • Non-Trucking Liability
  • Commercial General Liability