Auto Insurance for Your Business

A standard commercial auto policy applies to many types of vehicles, including cars, trucks, and vans that you or your staff use for business. If you or an employee causes injuries or property damage in an accident, your commercial auto policy helps cover the costs up to the coverage limit.

If you select a standard commercial auto policy, we ensure that the following three types of drivers are covered:

1. The named insured: The individual who took out the policy is insured regardless of whether they were involved in the accident.
2. Permissive drivers: Anyone you have granted permission to operate the commercial vehicle is covered.
3. Omnibus users: Anyone who can be considered liable for any accident or negligence perpetrated by you or your permissive drivers is insured.

Non-owned auto plans cover damage to another person’s vehicle, as well as bodily injury claims and legal expenses that you may be liable for. Non-owned auto policy coverage is applicable to any vehicles used by your employees to conduct business—even if they don’t own them. This type of policy provides comprehensive coverage for any third party that may be involved in an accident, but it doesn’t cover medical bills or liability claims that your staff incurs if they’re injured while driving outside of business hours.

Hired auto insurance covers all trucks and cars your company borrows, rents, and leases and helps pay for medical bills and third-party damage. Our team can also help you modify a hired auto plan with a physical damage endorsement for added protection.