Business Auto Policy | What’s Covered-Who Needs it-Purchase Options

Insuring the vehicles that your business operates during the course of the day is very important and we are here to help with a Business Auto Policy.

We will be happy to compare the Business Auto Policy companies near you that we have for your best rate. Send us the basic information and we'll take it from there.
Our Business Auto Policy most insured commercial vehicle types. Click for quotes near you.

We regularly insure many types of retail, manufacturing, farming, wholesale trade and like businesses that account for nearly 85 percent of the national economy with our Business Auto Policy and we could be a great advisor for insuring your company vehicles.

With our top national insurers and our broad acceptability of businesses, drivers and vehicles, we provide options for a nearly an endless list of risks that need commercial automobile insurance coverage, even those that other carriers typically turn away, such as religious organizations and local farmers. We’ll quote nearly any business type and deliver rates and discounts that save money. We offer the best in class Commercial Business Auto Insurance in the country.

We offer the best in class Commercial Auto Insurance companies.
We offer the best in class Business Auto Insurance policies.

Business Auto Policies Are Well Suited For Service Related Businesses Types such as

• Consulting
• Real estate
• Pest control
• Carpet cleaning
• Repair services and others

Retail
• Main street shops
• Florists

Not-for-hire livery

• Adult/child day care
• Airport/hotel shuttle
• Farming and livestock
• Religious/non-profit organizations
• Wholesale route distributors
• Food truck/ice cream vendors
• Pizza/restaurant delivery
• Couriers
• Manufacturing
•Plus hundreds more!

Key Business Auto Policy coverages.

Certain business professionals, such as contractors or engineers, are required by their customers to carry insurance for all vehicles in service to their business, whether owned by the business or not. For example, an independent contractor or engineer may be working on a large job site. Their client may require a specific level of commercial general liability and commercial auto liability coverage before awarding the job to make sure any vehicle associated with the job is covered.

What does a Business Auto Policy cover? Below is a quick snapshot of typical coverages.

We help our customers fill this contractual requirement with these additional liability coverages.
Any Auto liability
• Covers any vehicle used in the customer’s business, including any vehicle acquired during the policy period.
Hired Auto liability
• Covers any non-owned, unlisted vehicle the insured has leased, hired, rented
or borrowed.
Employer’s Non-ownership liability
• Covers employees using their own (unlisted) vehicles incidentally in the  course of doing business.
Drive Other Car
• For corporations and partnerships, extends all coverages to private passenger vehicles rented or borrowed for personal or business use allowing the commercial coverage to provide the same benefits as a personal lines policy when a separate policy does not exist.

Other coverages That May Be available Include

Roadside Assistance
• Covers the cost of roadside assistance in the event of a mechanical breakdown, dead battery or flat tire.
Rental Reimbursement
• Helps drivers get a temporary rental if their vehicle’s down due to a covered loss.

Did you know?
• Over 50 percent of all farms in the U.S. are hobby farms those run by individuals who hold other jobs. With our Business Auto Policy program, we offer coverage to a variety of vehicles used by small farms, including tractors, dumps and straight trucks and nearly anything else that takes to the road.

• We’re one of the few brokerage firms that will write hard-to-insure business classes, such as food truck and ice cream vendors, pizza delivery, heavy and extra heavy big rig commercial trucking operations and pest control services. And while some carriers have size and weight restrictions, we welcome vehicles of all shapes and sizes, even oversized buses and vans commonly used by religious organizations or hotel and airport shuttle services.

• Many vehicles used solely for personal travel aren’t accepted by Private Passenger Auto programs due to corporate ownership, vehicle size and type or higher limit needs. With our Business Auto program, we can deliver coverage to a broad array of vehicles, from small autos to oversized pickups and more.

What are the Liability Coverage Types in Business Auto Policy?

Combined single limit (CSL)

Combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combined single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver’s car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.

Split limits

Split limit liability coverage policy splits the coverage’s into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver’s vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.

Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.

The limits are often expressed separated by slashes in the following form: “bodily injury per person”/”bodily injury per accident”/”property damage”.

If you would like to learn more abot commercial or business auto policy (BAP) visit the National Association of Insurance Commissioners InsureUonline.Org.

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Aggregate Rating
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Brand Name
Business Auto Polcy
Product Name
BAP - Commercial Auto Insurance