Business Auto

Ensuring your coverage is correct before a claim occurs.

The Business Auto policy is often considered fairly straightforward. However, it does present some challenges of its own. Perhaps the most common mistake that clients and insurance agents make with their Business Auto insurance is an understanding of how this insurance operates. It is particularly important to understand that the structure of the policy intends to provide coverage for the Named Insured for covered autos while being operated by permissible drivers. There are many potential errors that flow out of this misunderstanding, including titling errors, unreported vehicles or drivers and failure to assess and apply proper coverage.

In an effort to assist you, we have put together a quick synopsis of several key coverage types that we routinely utilize.

• Auto Pollution Liability
• Bodily Injury and Property Damage Liability
• Collision
• Coverage for Injury to Leased Workers
• Drive Other Car
• Employee as Lessor
• Employee Hired Autos
• Employees as Insureds
• Fellow Employee Coverage
• Hired and Non-owned Auto Liability
• Hired Auto Physical Damage
• Lease/Loan Gap
• Medical Payments
• Other than Collision (Comprehensive)
• Rental Reimbursement
• Towing and Labor
• Trailer Coverage
• Uninsured and Underinsured Motorists
• Uninsured Motorist Property Damage