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Commercial auto
Vehicles owned by the business, plus the personal and rented vehicles your employees drive for work.
Start the commercial auto application →- What it covers
- Liability and physical damage on owned vehicles and trailers
- Hired and non-owned auto, for rentals and employees' own cars used on the job
- Uninsured and underinsured motorists
- Tools and equipment in the vehicle, if scheduled
- What it doesn't cover
- Personal use by anyone not on the driver schedule, in some policies
- Cargo you're hauling for someone else — that needs motor truck cargo
- Typical limits
- $1M combined single limit is standard. Contracts involving delivery or hauling often demand more.
- Worth knowing
- If employees run errands in their own cars, hired and non-owned coverage is the cheap endorsement that prevents a very expensive gap.
Common questions about commercial auto
What does commercial auto cover?
Liability and physical damage on owned vehicles and trailers. Hired and non-owned auto, for rentals and employees' own cars used on the job. Uninsured and underinsured motorists. Tools and equipment in the vehicle, if scheduled.
What does commercial auto not cover?
Personal use by anyone not on the driver schedule, in some policies. Cargo you're hauling for someone else — that needs motor truck cargo.
What limits are typical?
$1M combined single limit is standard. Contracts involving delivery or hauling often demand more.
What should I watch out for?
If employees run errands in their own cars, hired and non-owned coverage is the cheap endorsement that prevents a very expensive gap.