If your business owns, leases, or operates vehicles in the course of daily operations, commercial auto insurance isn’t just a wise investment—it’s a necessity. At Sevigney Lyons Insurance Agency, we specialize in protecting the hardworking businesses of Maine, including those based in Wells, Kennebunk, Ogunquit, and Biddeford, with customized commercial auto policies designed to meet your unique needs.
Whether you're a contractor driving to job sites, a landscaper hauling equipment, or a delivery company managing a fleet, our local team of experienced agents will help ensure your vehicles, drivers, and assets are protected. With over 40 years of experience and strong relationships with top-rated carriers, we make sure your policy isn’t just comprehensive, but competitive.
Commercial auto insurance provides protection for vehicles used for business purposes. Unlike personal auto insurance, commercial policies are built to handle the additional liability and risk exposures associated with operating vehicles in the course of business. These policies typically offer higher coverage limits and a broader scope of protection—essential for Maine businesses that rely on transportation to serve customers or manage operations.
From a single company car to a full fleet of service vehicles, commercial auto insurance covers a wide range of automobiles including:
If your employees drive as part of their job—even in their own vehicles—your business may still be held liable in the event of an accident. That’s why our team takes the time to understand your operations and structure coverage that protects every aspect of your commercial driving risk.
If you're unsure whether your Maine business requires commercial auto insurance, consider this simple rule: if a vehicle is used primarily for business rather than personal purposes, it likely needs a commercial policy. Here are a few examples of businesses we routinely work with throughout Wells, Kennebunk, Biddeford, and Ogunquit:
• Contractors and Construction Companies: From electricians to roofers, many trades rely on trucks to transport tools and materials.
• Landscaping and Snow Removal Services: Your plows, trailers, and work trucks face different risks than a family vehicle.
• Real Estate Professionals: Client meetings and property visits require constant driving and carry liability exposure.
• Delivery Services and Couriers: High mileage and time on the road increase risk—making proper coverage essential.
• Food and Beverage Services: Mobile food trucks, catering vans, and delivery cars need specialized coverage options.
• Nonprofit Organizations and Churches: Even occasional use of a church van or volunteer vehicle needs the right protection.
• Farming and Agriculture Businesses: Vehicles used on and off the farm should be properly covered for both commercial and personal use.
At Sevigney Lyons Insurance Agency, we build policies that go beyond minimum coverage. A strong commercial auto policy typically includes:
Covers bodily injury and property damage caused to others when you or your driver is at fault in an accident. This is a core component of any commercial policy and is required by Maine law.
Pays for repairs to your business vehicle if it’s damaged in an accident, regardless of who’s at fault.
Protects against non-collision damages such as theft, fire, vandalism, falling objects, and weather-related incidents—particularly important in coastal towns like Ogunquit and Kennebunk.
Covers your business if a vehicle is hit by a driver without insurance or with insufficient coverage—offering essential peace of mind for your employees on the road.
Pays for medical expenses for your driver and passengers injured in an accident, regardless of fault.
Protects your business when employees use their personal vehicles or a rented vehicle for work purposes. For example, if your employee runs errands in their car, your business may still be held liable in an accident.
• Trailer Interchange Coverage
• Rental Reimbursement
• Roadside Assistance
• Towing & Labor Coverage
• Cargo Insurance (for delivery or trucking businesses)
Our licensed independent agents are happy to walk you through each option and help determine the coverage best suited to your risk profile.
As an independent agency based in Wells, Maine, Sevigney Lyons Insurance Agency has been a trusted name in local insurance since 1983. We aren’t tied to any one carrier, which means we can shop multiple top-rated insurance providers to find the best policy for your business and your budget.
Here’s what makes us the right partner for commercial auto insurance:
Local Expertise
We understand the unique needs of Maine businesses—from icy backroads in Biddeford to busy delivery routes through Ogunquit. Our team knows what it takes to keep your vehicles safe and your business moving.
Custom-Tailored Policies
No two businesses are the same, and your coverage shouldn’t be either. We take the time to understand how your vehicles are used so we can structure the right coverage at the right price.
Exceptional Claims Support
Should the unexpected happen, we’re here to guide you through the claims process and advocate on your behalf. You're never just a number at Sevigney Lyons.
One-Stop Insurance Solutions
Bundle your commercial auto policy with other essential business coverages like:
• General Liability Insurance
• Workers’ Compensation
• Commercial Property Insurance
• Business Owners Policies (BOP)
• Cyber Liability Insurance
Bundling your policies can lead to discounts and more cohesive coverage—saving you time, money, and stress.
Premiums vary based on vehicle type, usage, driving history, coverage limits, and number of drivers. On average, policies in Maine range from $1,200 to $2,500 per vehicle annually. We'll help you find the right balance of coverage and affordability.
Typically, no. Personal auto insurance excludes most business use. If you’re in an accident while using your car for business (like delivering products or driving clients), your claim may be denied. That’s why a commercial policy is essential.
Yes—if the vehicle is used primarily for business. Even one delivery van or contractor’s truck should be properly insured to protect your business from lawsuits and repair costs.
Without HNOA coverage, your business could be liable in an accident—even if your employee was driving their own car. This coverage fills in the gap and protects your business.
Yes. Maine requires all business vehicles to carry at least the state minimum liability limits. However, most business owners opt for much higher limits to safeguard against costly claims.
Whether you're a small business owner with a single service van or a larger company managing a full fleet, Sevigney Lyons Insurance Agency has the local knowledge, carrier access, and industry experience to provide tailored protection that meets your needs.
We proudly serve businesses across York County, including Wells, Kennebunk, Biddeford, and Ogunquit—helping Maine entrepreneurs stay protected and prepared on the road.
The road to reliable coverage starts here. Don’t leave your business exposed to the risks of operating commercial vehicles without proper protection. Our team is ready to answer your questions, review your existing policies, and offer a fast, no-obligation quote tailored to your needs.
Contact Sevigney Lyons Insurance Agency today for a Maine commercial auto insurance quote
We’re local. We’re independent. We’re on your side.
