Company vehicles, work trucks, and the hired or non-owned auto exposure that comes from employees driving their own car for work.
Get a quote for Commercial AutoAny business with vehicles titled in the company name, or whose employees regularly drive personal vehicles for work errands, deliveries, or client visits.
An employee runs a supply-run in their own car and gets into a wreck. The business's commercial auto policy never covered vehicles it doesn't own.
Read the full story →Yes, if it's for work purposes. A hired and non-owned auto endorsement covers exactly this situation and is inexpensive to add.
Personal auto policies typically exclude business use entirely. If a vehicle is used for deliveries, client visits, or hauling equipment, it needs commercial coverage.
Trailers usually need to be scheduled on the policy specifically. Let us know about any trailers so they're actually covered, not assumed.
