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Commercial Auto
Business vehicles deserve business-focused protection.
From a single service truck to a growing fleet, commercial auto coverage should reflect who drives, what the vehicles do, where they travel, and the business behind them.
What to understand
How commercial auto can fit into a business program.
- Liability arising from covered business-auto accidents
- Physical damage when collision or comprehensive coverage is selected
- Scheduled business vehicles based on policy terms
- Additional auto exposures when appropriate endorsements or coverage are selected
Review considerations
Details worth discussing.
- Vehicle ownership, use, radius, and garaging
- Driver experience and current driver schedules
- Hired and non-owned auto exposures
- Specialized hauling, towing, or equipment attached to vehicles
Commercial Auto FAQs
Business risk deserves specific questions.
Who needs commercial auto insurance?
Businesses that own vehicles, use vehicles regularly for operations, or have employees driving for work should discuss whether commercial auto coverage is appropriate.
Does commercial auto cover property I am transporting?
Not necessarily. Cargo, customer vehicles, tools, or other property may require separate or specialized coverage. Tow and transport operations especially deserve a closer review.
Complimentary Protection Review