Commercial auto.
Business use changes the conversation.

What is commercial auto insurance?

Commercial auto policies can address specified liability and, where selected, physical damage exposures involving business vehicles. The vehicles, drivers, uses, territory and policy terms determine the scope.

Businesses may also need to discuss liability arising from rented vehicles or personally owned vehicles used for business. Ownership alone does not tell the whole story.

Questions worth asking

• Which vehicles are owned, leased, hired or personally owned?
• Who drives, and for which business activities?
• Are deliveries, transport of goods or travel across state lines involved?
• Do hired and non-owned auto liability exposures need separate attention?
• What physical damage options, deductibles and state-required coverages apply?

Prepare the operating picture

Start with the number and types of vehicles, their general use, operating areas and driver arrangements. Confirm a suitable document-sharing process before sending licenses, vehicle identification numbers or other personal records.

Related topics

General liability · Umbrella and excess liability · Contractors and trades