COMMERCIAL AUTO

Commercial auto insurance provides protection for any vehicle designated for business use against both property damage and liability. Whether you drive a vehicle that is for dedicated business use or drive a personal vehicle for business, it is important to have commercial auto insurance, as your vehicle will not covered under a personal auto policy.

Commercial auto insurance covers a variety of situations. Options and terms vary from one insurance company to another, so be sure you fully understand what is included in the policy.

Several types of coverage may be included in your commercial auto policy; others are options that you can purchase separately. You will also need to choose the coverage amounts (“limits”) and deductibles. Typical coverage available includes:

• Property damage liability
• Liability for bodily injury to others
• Optional bodily injury coverage for injuries that occur outside of the state in which you reside
• Personal injury to you, your employed drivers or passengers including medical expenses and lost wages
• Collision coverage for costs associated with an accident, regardless of who is at fault
• Comprehensive coverage for damage other than collision
• Medical payments coverage for the cost of hospitalization, treatment and funeral expenses
• Uninsured and underinsured motorist coverage
• Non-owned auto coverage for when you or your employees drive a rented or borrowed vehicle
• Loading and unloading liability
• Substitution transportation when your commercial vehicle is being repaired and you use a loaner from the repair shop
• Towing and labor costs

For-HireTruck

This segment includes:

• Owner-operators
• Motor carriers
• General freight haulers
• Expeditors
• Household movers