Auto Liability (hired/non-owned)
Do your staff drive their own automobiles, or do you rent them? This coverage protects your business against certain liabilities stemming from the usage of a rented or leased vehicle (hired) or a non-owned vehicle (employee using their own vehicle on company business). This coverage is frequently affordable when added to a company auto policy or, in certain situations, a general liability policy.
When Your Business Vehicle Is Also Your Personal Vehicle
Sometimes employees or executives of a company or other persons who are supplied with a vehicle owned by the company have only that vehicle. They do not own a personal vehicle, nor do they obtain personal automobile coverage. The BACF does not cover the personal use of the vehicle in this situation. To close this coverage gap, you need to add the Drive Other Car Coverage Endorsement to your BACF. This provides insurance while the named individual or a member of his or her family is driving a car borrowed from a third party.
Keeping Premiums Down
Avoiding accidents is the best way to keep your business auto premiums down. Driving safety should be emphasized. Drivers should not be so pressured to produce that they feel compelled to drive unsafely. All vehicles should be well maintained.
Ask your agent whether your insurance company has business auto safety resources that you can use to help your organization be accident-free. For more information on reducing the risk of auto accidents.
We understand the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly, but accidents happen.
To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from our agency, we’ll work with you one-on-one to create a customized policy that may include:
- Bodily Injury Liability
- Medical Payments
- Personal Injury Protection (PIP) Coverage
- Comprehensive Coverage
- Collision Coverage
- GAP Coverage
- Uninsured and Underinsured Motorist Coverage