Whether your company has a large fleet of trucks, a single company car, or your employees use their own vehicles, we help you minimize your risk and control premiums.
We help you find the right coverage for physical damage resulting from collisions or other incidents as well as legal liability caused by an accident.
Personal vs. Business
Most personal auto policies contain a Business Use exclusion and will not cover you for vehicles used in the course of business activities. If you are a snow-plow operator, use your car to make deliveries, or transport people, you may need to look into a business auto policy.
Hired and Non-Owned Auto Coverage
This coverage is crucial if your company leases, hires, rents, or borrows a vehicle. On-Owned coverage will protect you when your employees use their personal vehicles for trips such as picking up the mail or making a quick delivery. Hired Auto coverage protects you when you or your employee rent a car or truck for business use.
This coverage can be provided for employees or business owners who only have a business auto as their vehicle and do not have their own personal auto liability protection.