A commercial auto insurance policy provides coverage for commercially owned vehicles used in business operations. 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, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car.
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). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Use of Personal Vehicles
A personal auto policy provides coverage for personally owned vehicles that are operated by individuals or family members for personal use. Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even when it's a business such as selling cosmetics, jewelry, pizza delivery and ridesharing (Uber / Lyft).
Every business is unique – talk to Joyce Insurance Group today to find out how to get the best business auto insurance, service, price, and value.