What is it?
Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.
Why do I need it?
Small businesses and contractors often need commercial vehicle insurance as a part of their business insurance strategy. A personal insurance policy might not cover liabilities caused by your commercial vehicles. Use of Personal Vehicles Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.
What is Hired/Non-owned Auto Liability?
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Often times this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Call Sumner Insurance Services to browse our full line of commercial vehicle insurance. We know that it pays to shop the rates for your business needs. We offer no cost, no obligation consultations. Stop by or call our office today!