Who Needs Commercial Auto Insurance?

Any business whose owner(s) or employees use company-owned vehicles for business purposes should carry commercial auto insurance. Some common activities done with company vehicles that can be covered under commercial auto include, but are not limited to:

• Transportation of medical equipment.
• Delivering goods or documents to other businesses.
• Delivering goods or services to clients or customers.
• Transportation of other employees or clients to work-related activities.
• Picking up food or office supplies from an off-site location.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance covers a variety of vehicles and situations. DK&V will listen to your needs in order to create a customized and comprehensive coverage plan specifically for you. Typical commercial auto insurance can include:

• Bodily injury liability
• Property damage liability
• Personal injury coverage
• Collision coverage
• Comprehensive coverage for costs outside of collision
• Medical expense coverage
• Uninsured and underinsured motorist protection
• Rental coverage if a loaner is needed while the insured vehicle is being repaired after a loss

What Does Commercial Auto Liability Insurance Exclude?

Like any other insurance policy, commercial auto insurance comes with a number of exclusions and may be covered under separate policies. Here are four common scenarios that are not covered by commercial auto insurance:

• Workers’ Compensation, short-term or long-term disability benefits. If an employee were to be injured while driving or riding in a company vehicle, benefits paid to them would be made through the company’s workers’ compensation policy.
• Expected or intended injury. Any intentionally-caused injury or damage to a third party would not be covered under commercial auto. Example: if the insured driver caused an accident due to road rage, it would be excluded from coverage.
• Employer’s liability. Claims against the employer by employees injured in a company vehicle would need be covered by employers general liability coverage.
• Non-Owned or hired auto liability. Bodily injury or property damage caused by a rented, borrowed or other non-owned vehicle would not be covered by commercial auto liability. However, non-owned and hired auto liability coverage can be added to a general liability policy, if needed.