Commercial auto for every vehicle that works.

If a vehicle is used for your business, the personal policy on it may not respond when it matters. Carriers can and do decline claims where a vehicle was in business use at the time of an accident, and the exposure extends further than most owners expect — including to employees driving their own cars on company errands.

Hired and non-owned auto

This is the cover most businesses do not know they need. If an employee drives their own car to collect supplies, make a delivery or visit a client, and causes a serious accident, the injured party can pursue your business as well as the driver. Their personal policy is primary; yours is what stands behind it.

Hired and non-owned auto extends your liability cover to vehicles the business does not own — rentals as well as employee cars used for work. It is inexpensive relative to the exposure and belongs on almost any commercial programme where staff drive at all.

Fleets, filings and the vehicles in between

Rating depends heavily on what the vehicle does. A pickup carrying tools between local job sites is rated very differently from a box truck running scheduled routes, and both differ from a tractor unit requiring federal filings. Describing the operation accurately at the outset avoids the far worse conversation at claim time.

Where filings are required, they need to be in place before the work starts. We handle those alongside placement rather than treating them as an afterthought.