BUSINESS INSURANCE
Commercial Auto
Insurance
Coverage for the vehicles that keep your business moving.
Commercial auto insurance helps protect businesses that own or use vehicles for work. Coverage can include liability, physical damage and other protections depending on the vehicles, drivers and policy.
CORE AUTO COVERAGES
Protection for Your Business on the Road
A commercial auto policy can cover liability arising from covered business vehicles and can be structured to protect the vehicles themselves. Available coverages vary by insurer, state and vehicle use.
Auto Liability
Helps pay covered bodily injury and property damage claims when an insured business vehicle is involved in an at-fault accident.
Collision
Helps pay for covered damage to an insured vehicle caused by collision with another vehicle or object, subject to deductible.
Comprehensive
Helps cover certain non-collision losses such as theft, vandalism, fire or weather damage, subject to the policy.
Uninsured / Underinsured Motorist
May provide protection when a covered vehicle is involved with a driver who has insufficient or no insurance, where available.
BEYOND OWNED AUTOS
Address the Vehicles You Don’t Own
Businesses may also have exposure from rented vehicles or employee-owned vehicles used for work. Hired and non-owned auto coverage can help address liability arising from those uses, subject to the policy.
Hired Auto Liability
Can help protect the business when it rents, hires or leases autos for business use and is legally liable for a covered accident.
Non-Owned Auto Liability
Can help address liability when employees use their personal autos for business purposes and the business is named in a claim.
Rental & Towing Options
Depending on the insurer, optional coverages may include rental reimbursement, towing, gap or other vehicle-specific protections.
REAL-WORLD EXAMPLES
Everyday Situations
We Help Protect Against
Business driving creates both liability and vehicle-damage exposures. These examples show how commercial auto coverage may respond, subject to policy terms, symbols, limits and deductibles.
At-Fault Collision
An employee driving a company vehicle causes a crash that injures another driver.
Vehicle Theft
A company-owned vehicle is stolen. Comprehensive physical damage coverage may help with a covered loss.
Weather Damage
Hail or another covered non-collision event damages insured vehicles.
Comprehensive
An employee uses a personal vehicle for a business errand and causes an accident.
WHO NEEDS COMMERCIAL AUTO
For Businesses That Drive for Work
Commercial auto coverage may be needed whenever the business owns, leases, hires or regularly uses vehicles for business purposes. Vehicle type, radius, driver records and use all affect underwriting.
Retail & Wholesale
Restaurants & Food Service
Contractors & Trades
Sales & Service Firms
Office & Technology
Health & Wellness
Real Estate & Property Mgmt
Many Other Businesses
OWNED VS. NON-OWNED EXPOSURES
A More Complete and Non-Owned Auto Liability Option
The correct auto symbols and coverage structure depend on whether vehicles are owned by the business, rented or leased, or personally owned by employees.
NON-OWNED EXPOSURE
Owned Commercial Autos
✓ Includes General Liability coverage
✓ Adds eligible commercial property coverage
✓ Commonly includes business-income protection
✓ Optional endorsements may be available
✓ Convenient package for many eligible businesses
VS
Hired & Non-Owned Auto
✓ Covers covered third-party liability claims
✓ Bodily injury and property damage
✓ Products/completed operations
✓ Personal and advertising injury
✓ Useful when business property coverage is not needed
RELATED BUSINESS COVERAGES
Additional Coverages to Consider
Depending on your industry and operations, you may also want to consider:
Commercial Auto
Workers’ Compensation
Cyber Liability
Professional Liability (E&O)
Commercial Umbrella
Employment Practices Liability (EPLI)
Keep Your Business Moving
Let us review vehicle use, drivers, garaging, radius and ownership to help structure appropriate commercial auto coverage.