Foundational
Commercial Auto Insurance
Liability and physical-damage coverage for the vehicles your business owns, leases, or hires.
Personal auto policies exclude business use, so any vehicle used for work needs commercial auto. It covers the liability you owe after an at-fault accident plus damage to your own vehicles, and it is the line that satisfies most contract and licensing fleet requirements.
What it covers
What this policy responds to
- Bodily injury and property damage liability for at-fault accidents
- Collision and comprehensive for your own vehicles
- Hired and non-owned auto for rented or employee vehicles used on the job
- Medical payments and uninsured-motorist coverage
Who carries it
Typical operators on this line
- Contractors and trades running work trucks and vans
- Businesses with a delivery, sales, or service fleet
- Any operator whose employees drive for work, even in their own cars
FAQs
Common questions
- Does my personal auto policy cover business driving?
- Generally no. Personal policies exclude regular business use, so a claim during work driving can be denied. Commercial auto, or at least hired-and-non-owned coverage, closes that gap.
- What is hired and non-owned auto?
- It covers liability when employees drive rented vehicles or their own cars for business. It is essential even if your company owns no vehicles.
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