Insurance coverage
Commercial auto insurance that reflects how you use your vehicles
A truck carrying equipment, a van making deliveries and a car used for client visits create different insurance questions. We help you review the vehicles, drivers and business use behind your commercial auto policy.
Your vehicles and drivers
The details on the schedule need to match the road
As vehicles and employees change, a policy can fall behind the business it was written for. Before comparing quotes, check the vehicle list, who owns each vehicle, who drives it and how far it travels for work. Tell us about trailers, deliveries and equipment carried in the vehicles as well.
If an employee uses a personal car for a business errand, that raises a separate question from insuring a company-owned vehicle. Hired and non-owned auto liability may be relevant, and it should be discussed directly rather than assumed to be included.
Looking at the policy
Liability and damage to your vehicle are separate decisions
Commercial auto liability can respond to covered claims for injury or damage caused to others. Physical damage coverage, such as collision and comprehensive, addresses covered damage to an insured vehicle. The selected coverages, deductibles and covered-auto designations affect how a policy responds.
We will help you compare those details alongside the premium. If your business depends on one particular truck or van, it is also worth discussing what a covered loss would mean for your work while that vehicle is unavailable.
A useful starting point
Send one current list of vehicles and drivers
For a review, gather the vehicle identification numbers, ownership details, driver information and current policy. Include your typical travel radius, the work the vehicles support and any recent accidents or claims.
Let us know about leased or rented vehicles and contracts that require particular limits. With that information together, we can help you compare options based on the way your business operates today.
Related coverage and industries
Explore your options
Coverage for claims involving injuries to others, property damage and related liability.
LandscapingInsurance for landscaping businesses, including crews, work vehicles and mobile equipment.
Construction & ContractorsInsurance for general and trade contractors, including commercial projects, tenant improvements and residential work.
Coverage references
General information. Coverage depends on the policy, exclusions and underwriting.