Commercial
Commercial auto
Coverage for the vehicles your business depends on.
What it covers
The essentials, at a glance.
In practiceAn employee is at fault driving the company van and injures another driver, and this covers the injury and property claim.
Not coveredIt won't pay to repair your own van, that is collision coverage.
In practiceThe company truck slides into a pole (collision) or is dented by hail (comprehensive), and both repair your own vehicle.
Not coveredWear, tires, and mechanical breakdown aren't covered, only sudden accidental damage.
In practiceYour staff use their own cars or a rented truck for a delivery, and hired and non-owned coverage extends your liability to those trips.
Not coveredDamage to the employee's own car is on their personal policy, not yours.
In practiceEveryone who drives for the business is listed so a claim isn't denied for an undisclosed driver.
Not coveredA driver not on the policy, or one who isn't properly licensed, can jeopardize a claim.
