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Commercial Auto Insurance

 

Business Auto insurance provides valuable protection for your company-owned vehicles, as well as leased or rented vehicles and your employees' vehicles used for business purposes. It covers you in case of injury to others or their property, or for damaging other vehicles.

Coverage can combine two basic elements: liability and collision/comprehensive options. Liability protects you in case someone claims that you—or someone driving your insured vehicles—are legally liable for either bodily injury or property damage. Collision and comprehensive cover physical damage to your vehicles. Additionally, you can obtain Uninsured/Underinsured Motorist coverage to protect you if you are injured in an accident caused by negligent operation of an uninsured auto, by a hit-and-run motorist, or by someone with less liability coverage than you.

In addition to “standard” coverage, Business Auto provides these valuable extras:

  • Transportation expenses in the event your business-owned vehicle is stolen
  • Glass repair
  • Coverage for permanently installed sound and reproducing equipment, including radios, tape decks, CD players, and cellular phones
  • Broadened coverage to cover expenses such as returning an insured automobile that has been stolen and recovered

Business Auto insurance provides valuable protection for your company-owned vehicles, as well as leased or rented vehicles and your employees' vehicles used for business purposes. It covers you in case of injury to others or their property, or for damaging other vehicles.

Coverage can combine two basic elements: liability and collision/comprehensive options. Liability protects you in case someone claims that you—or someone driving your insured vehicles—are legally liable for either bodily injury or property damage. Collision and comprehensive cover physical damage to your vehicles. Additionally, you can obtain Uninsured/Underinsured Motorist coverage to protect you if you are injured in an accident caused by negligent operation of an uninsured auto, by a hit-and-run motorist, or by someone with less liability coverage than you.

In addition to “standard” coverage, Business Auto provides these valuable extras:

  • Transportation expenses in the event your business-owned vehicle is stolen
  • Glass repair
  • Coverage for permanently installed sound and reproducing equipment, including radios, tape decks, CD players, and cellular phones
  • Broadened coverage to cover expenses such as returning an insured automobile that has been stolen and recovered

Hired Auto & Non-Owned Auto coverage is typically added as an endorsement on a General Liability policy. When there are no vehicles titled in the company name this coverage will meet the contract requirement for Commercial Auto coverage.

Hired Auto coverage replaces or augments the liability coverage offered by auto rental agencies. However, it does not cover physical damage to the vehicle that is rented. You should still obtain physical damage coverage from the rental agency. In addition, it is important to remember that the liability coverage provided is designed to protect the company, not the employee driving the rented vehicle. The employee is still personally liable for injuries or property damage to third parties in an accident, just as if he or she were driving a personal vehicle. This coverage is for the company only and is “excess” over the personal auto liability coverage carried by the driver of the vehicle.

Non-Owned Auto coverage protects your company in the event that your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business. This coverage will not protect you or your employee personally, only your personal auto policy will do that. As is true with Hired Auto, this coverage is for the company only and is “excess” over the personal auto liability coverage carried by the driver of the vehicle.

Auto liability coverage may be described in your contract in this way: "Contractor shall carry bodily injury, property damage, and automobile contractual liability coverage for owned, hired and non-owned autos with a combined single limit of liability for each accident of not less than $1,000,000."

 

Motor Cargo Insurance

Transportation Insurance  information

Trucker General Liability Insurance information

Truck Liability Insurance

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Please Note: The information contained in this Web site is provided solely as a source of general  information and resource.  It is a not a statement of contract and coverage may not apply in all areas or circumstances.  For a complete description of coverages, always read the insurance policy, including all endorsements.