Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Commercial Auto
Vehicles owned, hired or driven by employees on company business.
What this cover does
A personal auto policy excludes business use, which leaves a gap that only appears after an accident. Commercial auto covers company vehicles, and the hired and non-owned extension covers rentals and employees driving their own cars on your behalf.
Typically included
- Liability for bodily injury and property damage
- Physical damage — collision and comprehensive on owned vehicles
- Hired auto liability for rented and borrowed vehicles
- Non-owned auto liability for employee vehicles used on business
- Uninsured and underinsured motorist cover
- Medical payments
Common add-ons
- Rental reimbursement and downtime cover
- Fleet schedules with automatic cover for newly acquired vehicles
- Drive-other-car endorsements for owners
- Trailer interchange cover
Questions
What people ask about commercial auto
My employees use their own cars. Am I exposed?
Yes. Their personal policy responds first, but claims above its limit come back to the business. Non-owned auto liability is the cover for that and it is inexpensive.
Does a personal policy cover business use?
Commuting is usually fine. Deliveries, client visits in a signed vehicle and carrying goods for hire are generally excluded.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Commercial Auto
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.