Vehicles, tools and data · Business auto, HNOA
Commercial auto
Covers vehicles your business owns or uses: liability for crashes and, if chosen, damage to the vehicles. It works like car insurance with business uses allowed.
- Who it's for
- Businesses with vans, trucks or cars, or whose employees drive for work.
- Is it required?
- Yes, for business-owned vehicles, at least the state's minimum liability. Trucking and passenger transport have federal requirements.
Covered and not covered
Usually covered
- Injuries and damage your business vehicles cause
- Damage to the vehicles, with collision and comprehensive
- Employees driving business vehicles
- Rented or personal cars used for work, with hired and non-owned auto
Usually not covered
- Tools and equipment in the van, which need inland marine
- Employee injuries, which workers' comp covers
- Mechanical breakdown
Real-life examples
An employee crashes the company van on the way to a job.
Usually coveredCommercial auto pays the other party's damages and, with collision, the van. The employee's injuries go to workers' comp.
An employee runs a work errand in their own car and causes a crash.
It dependsThe employee's own policy pays first. Hired and non-owned auto protects your business if it's sued too.
Check your own policy
Find these on your policy or declarations page, or ask your agent:
- Every vehicle and driver listed
- Hired and non-owned auto included
- Liability limits your contracts require
Not sure where to look? See how to read your policy.