Business Insurance › Commercial Auto Insurance

Commercial Auto Insurance

A business vehicle creates risks for its driver, the people around it, and the business that depends on it. Coverage choices should reflect who drives, which vehicles are used, and what they carry or do.

What to discuss

• Owned vehicles
• hired or rented vehicles
• employee-owned vehicles used for work
• liability limits
• damage to the vehicles
• drivers, territories, and use restrictions

Questions to bring

• Do employees use their own cars for business?
• Are all regular drivers listed?
• What would a serious accident mean for the business?

Reading the details

Before choosing a policy, confirm the business's legal name, covered operations, locations, property or vehicles, limits, deductibles, exclusions, contract requirements, and effective date. Ask how changes in the business should be reported. A certificate of insurance does not change policy terms.

The right policy depends on the business's facts and the terms an insurer offers. We can listen, explain the choices and limits, and help you decide what further information is needed for a proposal.

Website content is provided for general educational purposes and does not amend, extend, or create insurance coverage. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy.