Auto liability
The applicable limits, conditions, deductibles, and exclusions depend on the selected policy and risk.
Commercial coverage
Commercial Auto
Coverage for business-owned vehicles, drivers, and road exposure.
What Commercial Auto Can Address
Commercial auto policies can address liability and physical damage risks when vehicles are owned or used by a business. The vehicle, driver, radius, use, and property transported all matter.
Collision and comprehensive
The applicable limits, conditions, deductibles, and exclusions depend on the selected policy and risk.
Hired and non-owned auto
The applicable limits, conditions, deductibles, and exclusions depend on the selected policy and risk.
Who commonly reviews this coverage
- Businesses owning, leasing, hiring, or borrowing vehicles
- Employees driving on company business
- Operations transporting tools, equipment, products, or passengers
Details to examine
Driver eligibility and motor vehicle record controls
Connect this point to the operation, contracts, current values, and requested policy structure.
Vehicle use, garaging, radius, and take-home practices
Connect this point to the operation, contracts, current values, and requested policy structure.
Hired, non-owned, trailer, cargo, and mobile-equipment exposures
Connect this point to the operation, contracts, current values, and requested policy structure.
Prepare for a useful quote
Current, specific information helps an underwriter understand the risk and reduces avoidable follow-up.
- Vehicle and driver schedules
- Use, radius, garaging, and annual mileage
- Loss history and driver-safety procedures
Employees driving personal cars? Renting or borrowing vehicles?
Hired and non-owned auto (HNOA) coverage can help address the business's liability when company work involves vehicles it does not own. Learn what it may cover, what it generally does not cover, and what to prepare for a quote.
Explore Hired & Non-Owned Auto (HNOA) Insurance →Match coverage to vehicles, drivers, and use
A service van, contractor pickup, delivery route, rented vehicle, and managed fleet do not create identical exposures. Start with the guide closest to the operation.
Business-Owned Vehicle Insurance
Commercial auto planning for cars, pickups, vans, SUVs, and other vehicles titled to or regularly operated by a business.
Explore this topic →Commercial Auto Insurance for Contractors
Coverage planning for contractor pickups, vans, service trucks, trailers, crews, tools, and travel between offices, suppliers, and job sites.
Explore this topic →Commercial Auto Insurance for Plumbing & HVAC Fleets
Specialist Commercial Auto planning for plumbing and HVAC service vans, pickups, utility vehicles, box trucks, trailers, technicians, dispatch, tools, parts, and emergency calls.
Explore this topic →Service Van & Utility Vehicle Insurance
Commercial auto planning for service vans, utility bodies, mobile technicians, parts, equipment, dispatch, and customer-site work.
Explore this topic →Delivery & Courier Vehicle Insurance
Insurance planning for local delivery, couriers, route vehicles, last-mile operations, drivers, cargo, and time-sensitive stops.
Explore this topic →Business Fleet Auto Insurance
Fleet-level coverage planning for multiple vehicles, locations, drivers, departments, safety controls, maintenance, and changing operations.
Explore this topic →Hired & Non-Owned Auto (HNOA) Insurance
Business liability protection for rented, leased, borrowed, or employee-owned vehicles used for company work.
Explore this topic →Commercial Driver Safety & Fleet Controls
Practical controls for selecting, training, monitoring, coaching, and responding to incidents involving business drivers.
Explore this topic →Commercial Auto Physical Damage Coverage
Collision and comprehensive coverage planning for business vehicles, values, deductibles, attached equipment, towing, and downtime.
Explore this topic →Commercial Uninsured & Underinsured Motorist Coverage
Coverage planning for qualifying injuries or damages involving drivers with no insurance or insufficient limits.
Explore this topic →Commercial Auto Quote Preparation & Cost Factors
Organize vehicles, drivers, operations, loss history, limits, and safety information before requesting a commercial auto quote.
Explore this topic →Prepare for every stage of the Commercial Auto decision
Use these focused guides to compare policy structure, prepare a submission, review contracts, plan for claims, and identify gaps before buying or renewing coverage.
Coverage Basics
Understand the purpose, common uses, and important boundaries of this coverage before comparing terms.
Open this guide →Cost Factors
Review the operating details that can influence eligibility, pricing, deductibles, and available terms.
Open this guide →Limits and Deductibles
Connect credible loss scenarios with policy limits, sublimits, aggregates, deductibles, and retained risk.
Open this guide →Quote Preparation Checklist
Organize current, specific information that helps a specialist and underwriter understand the account.
Open this guide →Renewal Checklist
Use renewal as a structured review of operational changes, values, exposures, losses, and policy terms.
Open this guide →Claims Readiness
Prepare reporting, documentation, decision authority, and continuity procedures before a loss occurs.
Open this guide →Contract Requirements
Compare insurance requirements in leases, customer agreements, loans, and vendor contracts with the actual policy.
Open this guide →Common Coverage Gaps
Identify exposures that may sit outside the policy or require endorsements, separate coverage, or higher limits.
Open this guide →Loss-Control Priorities
Connect practical controls with the incidents most likely to interrupt the business or create a severe claim.
Open this guide →Questions to Ask Before Buying
Turn a proposal into a focused conversation about covered parties, triggers, limits, exclusions, and claim response.
Open this guide →Go deeper on the decisions that shape this coverage
Use these focused resources to prepare stronger information, identify important policy questions, and make proposal comparisons more useful.
Hired & Non-Owned Auto (HNOA) Insurance Guide
Understand HNOA exposure when employees use personal, rented, borrowed, or leased vehicles for business purposes.
Read the guide →Commercial Auto Loss Runs & Claims History Guide
Build a complete, currently valued commercial auto loss history that helps underwriters evaluate frequency, severity, open claims, and corrective action.
Read the guide →Review related insurance terminology
Use the commercial insurance glossary to clarify common policy, limit, valuation, and underwriting terms.
Open the glossary →Fit the coverage to the business
These descriptions are general and do not amend any policy. Eligibility, availability, limits, deductibles, exclusions, and terms vary. Review actual policy documents with an appropriate insurance professional.