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Commercial Auto Insurance

Commercial auto insurance insures your business against loss or damage to vehicles used by your business and damage caused to others by vehicles used by your business

Insuring Hired Autos for Liability and Physical Damage
An article for small business owners about hired autos and how to insured them under a commercial auto policy for liability and physical damage

Insuring Non-owned Autos
Insuring non-owned autos under a commercial auto policy

What are Uninsured and Underinsured Motorist Coverages?
An overview of the coverage afforded by uninsured and underinsured motorist endorsements, and what small business owners should consider before purchasing these coverages.

Omnibus Clause
A discussion of the omnibus clause found under the liability section of the standard commercial auto policy.

Questions To Ask Before Your Business Rents An Auto
An article outlining some questions to ask before your business rents or hires an auto

Bodily Injury
The meaning of bodily injury, as this term is used in commercial liability policies.

Purchase Commercial Auto Business Insurance
Commercial auto insurance is one of the most critical coverages for your business insurance and risk management program. Before you add a commercial auto policy to your business insurance program, consider the following points and discuss them with your insurance professional.

Property Damage
Explanation of the term "property damage" within the context of general liability and commercial auto coverage.

Do I Need Commercial Auto Coverage?
Your business needs commercial auto coverage if it uses any titled vehicles in its business.

Employer Non-Owned Car Liability Coverage
The Employer Non-Owned Car Liability Coverage is business insurance that protects your business when employees operate their own auto as part of their employment.

Coverage Territory
An explanation of "coverage territory," a term that is found in many commercial policies including auto, liability, property, and workers compensation.

Commercial Auto Coverage - Hired Auto
Hired auto coverage is commercial auto coverage that provides coverage to you, or your business, when operating a vehicle you do not own or that is not registered to you.


An article about the diminution in value exclusion in commercial auto policies and its affect on small businesses that rent autos

Negligence
A discussion of the meaning of the word "negligence" within the context of general liability insurance.

What Do Those Symbols Mean in My Commerical Auto Policy?

Commercial Auto Insurance Websites
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.

Waiver of Subrogation under Liability, Auto and Workers Compensation Policies
An article for small business owners about waivers of subrogation under general liability, commercial auto and workers compensation policies.

Can The Insurer Refuse to Renew My Policy?

Personal Coverages Under a Commercial Auto Policy
An article for small business owners about the Individual Named Insured endorsement that is available to sole proprietors under a commercial auto policy.

Is Your Vehicle a Total Loss?

Adding Family Auto Coverage for Named Individuals
An article for small business owners about Drive Other Car Coverage, which is designed to cover employees and other individuals who have been furnished a company car and have no personal auto coverage.

Auto Medical Payments Coverage

Commercial Auto Rating
An article for small business owners about commercial auto rating, and how liability and physical damage premiums are derived.

Pollutants
An explanation of the term "pollutants," which is the basis of the pollution exclusions found in commercial insurance policies.

Pollution! What's Excluded Under Your Commercial Auto Policy?
An article for small business owners that describes what's excluded under the standard commercial auto policy via the pollution exclusion.

Pollution Coverage Under a Commercial Auto Policy
An article for small business owners that describes the coverage afforded by the standard commercial auto policy for pollution-related losses via exceptions to the pollution exclusion.

What is No-fault Auto Insurance?
An article for small business owners that describes auto no-fault laws and personal injury protection coverage.

Foreign Auto Liability Coverage

Rental Reimbursement Coverage

Insuring Volunteer Workers
An article for small business owners about the risks that volunteer workers create for non-profit organizations and how these risk can be addressed by commercial insurance.

Auto Versus Mobile Equipment - What's the Difference?
An article for small business owners about the difference between autos and mobile equipment under commercial auto and general liability policies.

Electronic Equipment: What's Covered under Auto Physical Damage?

The Lowdown on Automatic Braking Systems
An article on the pro's and con's of the automatic braking system (a type of front crash prevention system) that has recently become available on some vehicles.

Was That Auto Accident Really an Accident?

Risks of Lightning

Who's Covered Under My Commercial Auto Policy?
Article describing who is covered as an "insured" under a typical commercial auto policy

Insured Contract - Commercial Auto Policy
Did you know that a commercial auto policy covers contractual liability? The policy covers liability you assume under certain types of contracts, which are explained here.

Liability You Assume Under a Rental Car Agreement

Contractual Liability and Your Commercial Auto Policy

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