CoverageCommercial auto
Commercial auto insurance
Commercial auto insurance covers the trucks, vans and other vehicles your business owns or uses, including liability for accidents and damage to the vehicles themselves. Personal auto policies often limit or exclude business use.
What it coversCoverage
- Auto liability. Bodily injury and property damage to others in an accident involving your vehicle.
- Physical damage. Collision and comprehensive coverage for damage to your own vehicles, including theft, fire and weather.
- Medical payments or PIP. Medical costs for the driver and passengers, depending on the state.
- Uninsured and underinsured motorist. Injuries caused by a driver with no insurance or too little insurance.
- Hired and non-owned auto. Liability when employees use their own cars or rented vehicles for business.
- Trailers. Trailers can be listed on the policy.
What it usually does not coverExclusions
- Tools and materials in the vehicle. Covered by a tools and equipment policy, not commercial auto.
- Mobile equipment. Equipment such as skid steers and excavators is usually covered by a contractor's equipment policy.
- Drivers not listed or permitted. Coverage depends on who is allowed to drive and how drivers are listed.
What contracts ask forRequirements
- Auto liability limits. Contracts often specify a combined single limit for auto liability.
- Additional insured. Some clients ask to be added to the auto policy.
- Hired and non-owned. Often required when employees drive their own vehicles for work.
QuestionsFAQ
Can I use my personal auto policy for my work truck?
Personal auto policies often limit or exclude business use, and vehicles titled to a business usually need a commercial policy.
Does commercial auto cover the tools in my truck?
No. Tools and equipment are covered by a separate tools and equipment (inland marine) policy.
What is hired and non-owned auto coverage?
It covers your business's liability when employees drive their own cars for work or when you rent vehicles.
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