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Commercial auto insurance has several coverage options that you should familiarize yourself with and determine if they are right for your business. We will discuss several of these below.

Hired Auto

Gives Liability coverage for a non-owned or unlisted vehicle that is leased, rented, hired, or borrowed by the insured for incidental operation of the business.

Owned Auto Coverage

Provides Liability coverage for vehicles owned by the named insured and any owned vehicles acquired during the policy period.

Non Owned Auto

Extends Liability coverage to any non-owned vehicle that is used by an employee in the operations of the business.

Any Auto Coverage

Extends Liability coverage to any vehicles acquired or bought during the policy term until the end of the policy term.

Pollution Liability

Covers bodily injury or property damage coverage due to the discharge of pollutants that are being transported or towed.

Trucker’s General Liability

This coverage gives bodily injury or property damage coverage sustained in the course of business while using products or services on premises.

Drive Other Car Coverage

Excess coverage for an executive of a corporation or partnership when driving a non-owned vehicle.

Step Down Liability Coverage

This coverage reduces the liability limits to state minimum requirements for drivers not listed on the policy.

Non-Trucking Liability or Bobtail Liability

This is liability coverage for policyholders who are under lease to a motor carrier which provides the primary liability coverage.

On-Hook

Provides coverage for the vehicle or vehicles being towed or hauled.

Garagekeepers Coverage

Provides Physical Damage coverage for a customer’s vehicle left in the care, custody, and control of the insured while at a covered location or in transit between covered locations.

Cargo Liability

Provides Liability coverage for the covered property in the care and control of the insured and being transported by the insured’s covered vehicle.

Trailer Interchange

Trailer Interchange covers physical damage to any non-owned trailer while in the care, custody, or control of the insured.

These are just some of the various coverage options for commercial auto insurance. Some of these may or not be available for your business type and some may or may not be required. It is important that you speak with your agent on what would be suitable for you. You can also call us at 704-494-9495 with any questions.