Coverage That Keeps Your Business on the Road

Commercial Auto Insurance in Southern Maryland

Personal auto policies exclude vehicles used for business, and we compare multiple carriers to get Southern Maryland contractors and fleet owners commercial auto coverage that actually pays when a work truck is involved.

Protect the Vehicles That Power Your Business

One service van running jobs across Charles County and a six-truck fleet working from Waldorf out to Prince Frederick and Lexington Park need the same thing: a policy written for business use, not personal use. Commercial auto insurance covers liability, physical damage, and injury claims tied to vehicles your business owns, leases, or hires.


We write business auto insurance for contractors, trades, delivery operations, and service companies across Southern Maryland, and we coordinate it with the rest of your commercial insurance so a single accident does not expose a gap between policies. For most contractors, commercial auto and general liability get written together.

A Family Agency That Has Insured Local Fleets for Decades

A.F. Szabo has written commercial insurance from Waldorf since the 1970s, founded by Helene's father and run today by Helene and David Gummere. When a truck goes down or a driver is added mid-week, business owners here reach the same two people who wrote the policy.

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More than 50 years insuring Southern Maryland businesses and contractors

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Second-generation, family-owned and independent

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Access to multiple top-rated national and regional carriers for fleet and single-vehicle placement

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Vehicle additions, driver changes, and certificates handled directly by the agency

  • Does my personal auto policy cover my work truck?

    Usually not. Personal auto policies commonly exclude vehicles used primarily for business, which means a denied claim at the worst possible moment. If your truck or van is titled to the business, carries equipment, or is used for jobs and deliveries, it belongs on a commercial auto policy.

  • What types of businesses need commercial auto insurance in Maryland?

    Any business that owns, leases, rents, or uses vehicles for work, including contractors, landscapers, HVAC and plumbing companies, delivery operations, and sales teams. Even a single pickup used for job sites generally needs commercial coverage rather than a personal policy.

  • Can I cover employees who drive their own vehicles for work?

    Yes, through hired and non-owned auto coverage. It extends your business liability protection to employees running errands, making deliveries, or driving to job sites in personal vehicles. Their personal policy responds first, and your coverage protects the business from what follows.

  • How much does commercial auto insurance cost?

    Rates depend on vehicle type and value, how the vehicles are used, radius of operation, driver records, and your coverage limits. A fleet with clean records prices very differently from one with recent at-fault claims. We shop multiple carriers to find competitive options for your operation.

  • Can I bundle commercial auto with my other business coverage?

    Yes, and most contractors do. Writing commercial auto alongside your general liability and property coverage through one agency usually earns a multi-policy discount and, more importantly, keeps the policies coordinated so a claim does not fall between them.

Commercial Auto Questions From Business Owners

Drive Your Business with Confidence

From local deliveries to job site visits, your vehicles keep your business running. Let’s make sure they’re fully protected — with a plan built around your needs.