Commercial auto insurance can cover a combination of vehicle types (e.g., trucks, cars) and drivers, as well as some types of motorized equipment. Commercial auto insurance provides for bodily injury liability and property damage while operating a company automobile, as well as medical payments or Personal Injury Protection for the driver and passengers of the policyholder's car. Injuries or damage to someone else are also covered.
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.
Every business is unique - talk to a Storm Insurance agent today to find out how to get the best commercial auto insurance coverage for your particular business needs.