Commercial auto covers vehicles your business owns, leases or uses, and the liability that comes from employees driving for work.
What it generally covers
- Liability for accidents
- Physical damage to company vehicles
- Hired and non-owned auto, when added
Where gaps often hide
- Personal auto policies often exclude business use
- Employees driving their own vehicles for work
- Drivers who are not listed
Questions worth asking
- Are all drivers listed?
- Is hired and non-owned auto covered?
- Do my contracts require specific limits?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.