A Beginner’s Guide to Getting the Coverage You Need

Commercial auto insurance functions like a standard policy, but with higher liability limits. It may also include hired and non-owned vehicle coverage and roadside assistance riders.

These coverages provide protection when employees drive leased, rented or borrowed vehicles for business. It can protect equipment that is permanently attached to a vehicle, such as forklifts, and covers tools and materials in transit.

The liability portion of a commercial auto policy covers your business for financial responsibility in the event of an accident. It provides coverage for injuries to others, property damage, and even legal fees if you are sued. This is an important aspect of any vehicle-related business, and most states require you to carry a certain amount of liability insurance when operating a business car or truck.

In addition, commercial auto policies typically offer higher limits of liability than personal auto policies. This may be especially important if you have employees who drive your business vehicles, as they are often exposed to more risk than those who simply use their own cars for work-related purposes. A good commercial auto policy will also include non-owned and hired auto (also known as hired and non-owned auto liability) coverage. This add-on extends your business’s liability protection to other vehicles your employees may operate that are not listed on the policy, such as a private passenger automobile used by an employee for errands related to their employment or a truck owned by a contractor you hire for a job.

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