Commercial Auto Insurance in Cedarville, the Les Cheneaux Islands, and Across Michigan
Business Vehicle Protection, Built for Michigan Roads
From icy Eastern Upper Peninsula winters to long commutes across Michigan highways, your business vehicles face risks every day. At
Islands Insurance Center, we provide commercial auto insurance that protects more than just your vehicles — it protects your drivers, your cargo, and your business’s financial future. Whether you operate a single delivery van in Cedarville, a fleet of service trucks across the Les Cheneaux Islands, or company cars throughout Michigan, we’ll tailor coverage to keep your business moving forward with confidence.
What Commercial Auto Insurance Includes
Commercial auto insurance from Islands Insurance Center may include:
Liability Coverage
Protects your business if a company vehicle causes bodily injury or property damage, a requirement under Michigan law.
Collision Coverage
Pays for damage to your business vehicles after a collision, regardless of fault.
Comprehensive Coverage
Covers non-collision losses such as fire, theft, vandalism, or Michigan’s unpredictable storms.
Uninsured/Underinsured Motorist Coverage
Essential protection in the Eastern Upper Peninsula, where accidents with underinsured drivers can leave your business exposed.
Medical Payments Coverage
Helps pay medical expenses for drivers and passengers after an accident, regardless of fault.
Hired & Non-Owned Auto Coverage
Protects your business if employees use their personal cars or rented vehicles for company tasks.
Cargo & Equipment Coverage
Ensures transported goods, tools, or equipment are covered while in transit.
Optional Add-Ons
Roadside assistance, towing, and specialty vehicle coverage for trucks, trailers, or service vehicles.
Frequently Asked Questions
Is commercial auto insurance required in Michigan?
Yes. Michigan law requires businesses that own or operate vehicles to carry commercial auto insurance. At Islands Insurance Center, we’ll help you meet state requirements while tailoring coverage for your specific operations in Cedarville, the Eastern Upper Peninsula, and beyond.
Can I insure multiple vehicles under one policy?
Absolutely. Fleet insurance policies allow you to cover all your business vehicles — from cars to trucks — under a single plan. This simplifies management and ensures consistent protection across your entire operation.
Do I need coverage if employees use their own cars for work?
Yes. Standard personal auto insurance usually does not cover vehicles being used for business purposes. With hired and non-owned auto insurance from Islands Insurance Center, your business is protected when employees drive personal or rented vehicles for company tasks.
What if I only have one company vehicle?
Even small businesses with just one vehicle need commercial auto insurance. A single accident can create financial liabilities that threaten your operations. We’ll create a policy that scales to the size of your business.
Does coverage extend outside Cedarville and the Eastern Upper Peninsula?
Yes. Our commercial auto insurance policies are designed for businesses that operate across Michigan and even into neighboring states, depending on your needs.
How do I get a commercial auto insurance quote in Cedarville?
It’s simple. Fill out our [Request a Quote] form, text us, call our Cedarville office, or stop in. At Islands Insurance Center, we’ll review your fleet, vehicles, and business operations to create coverage tailored to your Michigan business.
Why Choose Islands Insurance Center for Commercial Auto Insurance?
Local Expertise, Wide-Ranging Protection
Community-Rooted: We know the driving challenges businesses face in Cedarville, the Les Cheneaux Islands, and throughout the Eastern Upper Peninsula.
Tailored Coverage: From single vehicles to large fleets, we design policies that reflect your specific business operations.
Trusted Carriers: With Auto-Owners, AAA, Wolverine, and more, we provide flexible commercial vehicle insurance options.
Independent & Flexible: As an independent agency, Islands Insurance Center works for your business, not one insurance company.
Keep Your Business on the Road with Islands Insurance Center
Accidents happen — but with commercial auto insurance from Islands Insurance Center, your business vehicles, drivers, and cargo are covered every mile of the way. From Cedarville to the Les Cheneaux Islands and across Michigan, we’ll design protection that keeps your operations moving without worry.
