What it covers
- Liability when company vehicles injure people or damage property
- Physical damage to your owned fleet
- Hired & non-owned auto exposure
Coverage line 03 of 09
Business Auto, in plain English.
Liability and physical damage for the vehicles your business runs on, including employees driving their own cars on company business.
When you need it
- Any titled vehicle in the business's name
- Employees driving anywhere on company business — even personal cars
Common gaps
- No hired & non-owned coverage while staff run errands in their own cars
- Tools and materials in transit (that's inland marine territory)
- New vehicles never added to the schedule
Who it's for
- Fleets of one to one hundred
- Contractors, energy, field-service businesses especially
This page is general information, not advice about your specific situation, and not a quote, binder, or contract of insurance. Actual coverage is governed solely by the terms, conditions, and exclusions of the issued policy.
Who usually needs it
See Business Auto in your industry.
Related reading
Understand it before you buy it.
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