Commercial Auto
Does my business need commercial auto insurance?
What risks Do Commercial Auto Insurance Policies cover?
- Can extend coverage to employee use of personal vehicles
- Medical payments and uninsured motorist protection
- Hired and non-owned auto coverage options
- Physical damage protection (collision and comprehensive)
- Customizable for fleets or individual business vehicles
- Liability coverage for 3rd party damages
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FAQs
1.) Does my business need commercial auto insurance if employees use their own cars?
Yes. If employees use personal vehicles for business purposes, your business can still be held liable in the event of an accident. A commercial auto policy with hired and non-owned auto coverage (HNOA) protects your business from these gaps that personal auto policies do not cover.
2.) What is the difference between commercial and personal auto insurance?
Personal auto insurance only covers vehicles used for private, non-business purposes. Commercial auto insurance is designed for vehicles used in business operations offering higher liability limits, coverage for multiple drivers, and protection for cargo or equipment that a personal policy would exclude.
3.) Is commercial auto insurance required for delivery vans and trucks?
Yes. Any vehicle used primarily for business deliveries or transporting goods must be covered under a commercial auto policy. Personal auto insurance will not cover accidents that occur during business use, leaving your company financially exposed. Commercial coverage ensures your drivers, vehicles, and cargo are all protected.
4.) How much commercial auto insurance does my business need?
The right amount of coverage depends on your fleet size, vehicle types, the nature of your operations, and your state’s minimum liability requirements. Most businesses benefit from carrying limits above the state minimum to ensure full protection against costly accidents, property damage, and legal claims. Speaking with a licensed insurance specialist is the best way to determine the appropriate coverage for your specific situation.
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