Commercial Auto Insurance That Drives Business Forward

Smart, Personalized Coverage From Your Local Experts in Germantown, MD

Whether you’re hauling supplies, delivering goods, or using your truck to get the job done, your business vehicles need more than standard coverage. At Cornerstone Insurance, we help companies and farm-based operations across Central Minnesota insure the vehicles they depend on—so they stay protected on and off the road.


Based in St. Stephen, MN, our local agents compare policies from trusted commercial carriers and help you understand exactly what your coverage includes—and why it matters.

What Your Commercial Auto Policy Should Cover

Commercial auto insurance covers business-use vehicles differently than personal auto insurance. Here's what we help protect:

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Liability Coverage

Covers injury or property damage your vehicle may cause to others while being used for business.

Collision Coverage

Pays to repair or replace your business vehicle if it’s damaged in an accident—regardless of fault.

Comprehensive Coverage

Protects against theft, vandalism, storm damage, wildlife collisions, and other non-accident-related events.

Uninsured/Underinsured Motorist Coverage

Covers you if your business vehicle is hit by someone without adequate insurance.

Medical Payments or PIP

Helps cover medical bills for the driver and passengers after an accident—no matter who was at fault.

Smart Add-Ons for Full Protection

Hired & Non-Owned Auto Liability

Covers vehicles your business rents or employees use for work—like a personal car used for deliveries.

Trailer & Equipment Coverage

Protects trailers and mobile tools often pulled by service trucks or farm vehicles.

Commercial Umbrella Coverage

Adds an extra layer of liability protection when claims exceed standard policy limits.

Why Small Business Owners Work With Cornerstone

Because One Crash Can Stall Your Business

Whether it’s a service van, delivery truck, or farm-use pickup, your vehicles are essential to keeping things moving. One accident could mean costly downtime, liability claims, or lost income.


At Cornerstone Insurance, we help you compare options, choose the right limits, and stay confident that your coverage fits your business today—and as it grows.


  • Commercial auto policies tailored to local needs
  • Clear comparisons from multiple carriers
  • Fast, responsive service from our St. Stephen team

Commercial Auto Insurance FAQs

  • Do I need commercial auto insurance for one vehicle?

    If it’s used for business, yes. Even one vehicle can require commercial coverage, especially if it’s used to transport goods or equipment.

  • Is a farm truck covered under commercial auto?

    It depends. Farm-use vehicles may be covered under farm or commercial policies. We help you determine the right fit.

  • Does my policy cover employee drivers?

    Yes, but policies vary. We’ll make sure employee use, including permissive drivers, is covered properly.

  • Can I bundle commercial auto with general liability?

    Yes. Many businesses combine commercial auto and general liability to streamline coverage and potentially save on costs.

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Let’s Get You on the Road

Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.

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Let’s Keep Your Business Rolling

At Cornerstone Insurance, we help business owners and farm operators across Central Minnesota get commercial auto coverage they can count on—so when things go off course, your business doesn’t have to.