Protect the vehicles that keep the business moving.

Business use changes the conversation

Commercial Auto can cover owned vehicles used for business. Hired and non-owned auto liability may be important when employees rent vehicles or use personal vehicles for company errands. Neither automatically replaces coverage for an owned business vehicle.

Prepare for the quote

• Vehicle year, make, model, VIN, value and garaging address
• Driver names, dates of birth, license information and experience
• How each vehicle is used, operating radius and annual mileage
• Current limits, loss runs and desired physical-damage deductibles

Our quote form asks whether vehicle use is commercial, personal or both—and only asks it once.

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Owned, hired and non-owned vehicles

Owned autos are only one part of business vehicle exposure. Employees may drive personal vehicles for errands, executives may rent cars, and a business may borrow or lease equipment. Hired and non-owned auto coverage can address certain liability exposures, but it does not automatically provide physical damage for every vehicle or replace a commercial auto policy for owned units.

Driver management affects insurability

Written driver standards, motor vehicle record review, training, accident reporting, distracted-driving rules and personal-use policies help demonstrate control. A carrier may restrict drivers, vehicle types, radius or operations based on its underwriting rules.

Physical damage and vehicle values

Comprehensive and collision deductibles, stated amounts, cost-new information and permanently attached equipment deserve review. The amount shown on a schedule does not always guarantee the amount paid after a total loss; policy valuation provisions control.

Severe losses and umbrella limits

A commercial vehicle can injure several people in one event. Review auto limits together with umbrella or excess coverage and confirm the auto policy is scheduled as underlying insurance.