The vehicle schedule is only the beginning.
Commercial auto can include liability and physical damage for scheduled vehicles, with available options for hired and non-owned auto, towing, rental, permanently installed equipment, and other needs.
The review should also address employees using personal vehicles, trailers, cargo or tools, driver eligibility, umbrella limits, and contractual requirements.
Coverage considerations
- Owned-auto liability and physical damage
- Hired and non-owned auto liability
- Driver eligibility and motor-vehicle records
- Garaging, radius, use, and vehicle classification
- Cargo, tools, equipment, and permanently attached property
- Umbrella limits and contractual requirements
Service Fleets
Cars, vans, pickups, and work trucks used in field operations.
Contractor Vehicles
Vehicles carrying employees, tools, materials, and equipment to jobsites.
Delivery & Distribution
Routes, radius, cargo, loading, and customer-property exposures.
Specialty Vehicles
Units requiring accurate classification, values, equipment detail, or filings.
Related coverage
Commercial auto should be reviewed alongside general liability, workers’ compensation, equipment, cargo, and umbrella coverage.