Business Insurance
Commercial Auto & Everyday Business Risk
A vehicle can become a meaningful business exposure the moment it is used in company operations. The right conversation starts with who owns it, who drives it, what it carries, and how it is used.
Personal and commercial use are different
Business use can create exposures a personal auto policy was not designed to handle. Vehicles titled to a business, regular employee driving, deliveries, hauling, or specialized operations deserve a commercial review.
The vehicle is only part of the risk
A commercial auto program can involve liability, physical damage, hired and non-owned auto, and industry-specific needs. Tow operations, for example, can also create exposures involving customers’ vehicles.
Build coverage around the operation
Accurate vehicle, driver, radius, use, and revenue information helps an agent understand the actual operation and identify the right questions to ask.
- Keep driver and vehicle schedules current.
- Discuss employees using personal vehicles for company errands.
- Tell your agent when operations, hauling, territory, or vehicle use changes.