Coverage for vehicles used in the business — the claims a personal auto policy is built to exclude.
Personal auto policies generally exclude or limit business use. If a vehicle is titled to the business, carries equipment, makes deliveries, hauls a trailer or visits job sites, a claim can be denied on a personal policy precisely when you need it most. Commercial auto exists to cover that use.
The policy covers liability for injuries and damage you cause, physical damage to your own vehicles, uninsured motorist protection, and usually medical payments. Limits run considerably higher than personal policies because a business vehicle in a serious accident draws larger claims.
If employees drive their own cars for work, or if the business rents vehicles, hired and non-owned auto coverage fills a gap that surprises a lot of owners: the employee's personal policy may not respond to business use, and the business can still be sued. It is usually inexpensive to add and frequently overlooked.
Who drives, where they go, what the trucks carry and what a day off the road costs you all change which policy is right — and none of it shows up in a rate comparison.
The commercial auto checkup walks through vehicles, drivers, hired and non-owned exposure, trailers, tools and downtime in about ten minutes. Print it and bring your declarations page.
Worth reading: why commercial auto costs what it does, who can drive the company truck, whether your tools are covered, and how one accident splits across four policies.
Premium depends on the vehicles, how far and where they travel, what they carry, and the driving records of everyone behind the wheel. Keeping a current driver list and running motor vehicle records before you hire has a direct effect on what you pay.
We write service vans, contractor trucks and trailers, and dump truck and hauling operations, along with the other vehicles small businesses run day to day.
For ordinary commuting, usually yes. Once the vehicle is used in the business — deliveries, hauling tools and materials, transporting clients, or titled to the company — personal policies commonly exclude the loss, and you find out at claim time.
Contracts frequently require a one million combined single limit, and many businesses carry that regardless because injury claims from a vehicle accident escalate quickly. Your contracts and your exposure set the number.
Only if you carry hired and non-owned auto coverage. Without it the business can be held liable for an accident that happens on company time in an employee's personal vehicle.
Yes. We are licensed in Missouri, Kansas and Oklahoma, which matters for service areas and crews working across the line. Tell us where the vehicles are garaged and where they actually run and we will make sure the policy is written for it.
Tell us what you need covered and one of our agents will get back to you.