Vehicle Coverage Built Around Your Operations.
Commercial auto coverage structured around actual business use.
Personal auto policies are written for personal use. Business use exclusions can affect how a claim is handled when vehicles are used for site visits, client meetings, or transporting equipment.
We review how vehicles are actually used before making any recommendation.
Coverage Overview
What Commercial Auto Is Intended to Cover
Liability Coverage
Responds to bodily injury and property damage to third parties from a business vehicle accident. Subject to policy terms and applicable state requirements.
Physical Damage
Covers damage to your own vehicles from collision, theft, and weather-related incidents, subject to covered causes of loss.
Hired Auto
Addresses liability from vehicles rented for business use. Generally not covered under personal auto or standard GL policies.
When to Consider It
Where Commercial Auto Tends to Be Relevant
Firms With Company-Owned Vehicles
Any vehicle titled to your business generally requires commercial auto coverage.
Firms Whose Teams Drive for Work
If employees regularly use personal vehicles for business, non-owned auto exposure is worth reviewing specifically.
Contractors & Trades
Vehicles are central to daily operations. Coverage needs to reflect that level of use.
AEC Firms With Field Operations
Staff who regularly travel to project sites carry vehicle exposure that may look different from a standard office-based business.
Key Considerations
A Few Things Worth Reviewing
Personal Auto Exclusions
Most personal auto policies contain a business use exclusion. An employee driving to a job site may find a claim is not covered under their personal policy.
Hired and Non-Owned Auto
Among the most commonly overlooked exposures in professional services firms. Worth addressing if employees drive for work or your firm rents vehicles for business travel.
How Vehicles Are Used
Coverage structure and pricing are affected by use, distance traveled, and who is driving. We review actual use before going to market.
Coordination With Other Policies
An accident involving a business vehicle can give rise to claims under multiple policies. How those interact is worth understanding before a claim occurs.
The Process
Deliberate at Every Step
Step 1
Review Your Fleet and Use
How vehicles are used, who drives them, and whether hired or non-owned exposure exists.
Step 2
Identify What May Be Unaddressed
We review current policies to identify business use exclusions and uncovered vehicle exposure.
Step 3
Approach the Right Market
We approach carriers familiar with your specific operations.
Worth Knowing
Questions That Come Up Often
Do I need commercial auto if my employees use their own vehicles for work?
If employees use personal vehicles for business purposes, non-owned auto exposure is worth reviewing. Personal policies may limit or exclude business use, while the business itself may still be named in a claim arising from a work-related trip.
Does my GL policy cover vehicle-related incidents?
Standard GL policies generally exclude automobile liability. Commercial auto is intended to address claims arising from vehicle-related incidents. How the two policies interact depends on how your overall program is structured.
What is the difference between hired and non-owned auto?
Hired auto applies to vehicles rented or hired for business use. Non-owned auto applies to employee-owned vehicles used for business purposes. Both are separate from owned vehicle coverage and may represent exposures not addressed under standard policies.
Often Paired With
What Firms Typically Review Together
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Start the Conversation
Want to See How Your Program Holds Up?
Tell us about your firm and the work you take on.
We'll take a look and share what we find.