Commercial Auto
Commercial Auto coverage is insurance that helps protect you and your business when it comes to vehicles used for work. It covers situations like accidents caused by underinsured drivers, rental expenses when your vehicle is being repaired, towing and labor costs, repairs or replacements for vehicle damage, legal expenses from lawsuits, and property damage caused by your business vehicle. It's there to provide financial support and help you handle unexpected situations related to your business vehicles.
Commercial auto insurance provides coverage for businesses in case of unexpected expenses resulting from accidents involving company-owned vehicles. The policy can cover emergency care, medical bills, property damage, vehicle damage, legal fees, and more. This type of insurance is required by law in almost every state and is recommended for businesses that use vehicles for work-related purposes, such as delivering goods or carrying equipment. Hired and non-owned auto insurance can provide additional coverage for employees who use their personal vehicles for work. The policy can cover both personal and work use of the insured vehicle but does not cover items transported in the vehicle. Businesses may also want to consider purchasing tools and equipment insurance to cover damage or theft of equipment.
Our Commercial Auto policy also includes an enhancement for Hired & Non-Owned Auto Coverage
Hired & Non-Owned Auto insurance (HNOA) provides coverage when driving a rented vehicle or when an employee uses their personal vehicle for work purposes. This insurance can pay for expenses related to property damage, injuries, legal fees, and judgments up to the policy limit. Any business owner or employee who rents vehicles or occasionally uses their personal vehicle for work can benefit from HNOA coverage. HNOA insurance is offered on an "excess basis," meaning it kicks in once the employee's personal car coverage reaches its limit or their insurance company denies coverage.