Business Vehicle
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property damage and bodily injury to others.
Just like you need auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your business’s vehicles, you may be liable for bodily injuries, lost wages or any damage caused.
Hired & non-owned auto coverage replaces or augments the liability coverage offered by auto rental agencies. For example, non-owned auto coverage protects your company in the event that your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business.
Hired Auto & Non-Owned Auto
Coverage Details
BODILY INJURY LIABILITY
Coverage for damages that involve bodily injury to others for which you become responsible under law.
PROPERTY DAMAGE LIABILITY
Coverage for damage to property that belongs others for which you become responsible under law.
MEDICAL PAYMENTS
Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.
PERSONAL INJURY PROTECTION
Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.
COMPREHENSIVE
Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.
COLLISION
Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.
UNINSURED MOTORIST
Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.
UNDER-INSURED MOTORIST
Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
ADDITIONAL EXPENSE
Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses.
HIRED AUTO LIABILITY COVERAGE
Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
HIRED AUTO PHYSICAL DAMAGE
Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured’s business.
EMPLOYER’S NON-OWNERSHIP LIABILITY
Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.
Types of Business Vehicles We Insure
Cars
Vans
Pickup Trucks
Delivery Trucks
Box Trucks
Service Utility Trucks
Food Trucks
On-Demand Delivery
Grubhub, DoorDash, Postmates, Uber Eats, and more