Decisions on how to protect your Commercial Vehicles
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Examples of Small Business who need Commercial Auto Coverage
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If you are just starting out or a growing small business getting the correct coverage for your vehicles is important. Many times business use their autos under their personal auto, if there are used for commercial means you may not be covered correctly or at all.
Typical Small Business that use vehicles to travel, deliver goods or perform services are:
Professional services, Consultants, Janitorial services, Social/health services
Retail shops, Religious/nonprofit organizations, Couriers, Adult/childcare
Airport/hotel shuttles, Contractors, Landscapers and snowplowers, Concrete/asphalt
Types of Vehicles commonly used
These are some of the vehicles used in business. This list is not comprehensive and some business uses may be excluded.
Sedans/SUVs, Vans, Pickup trucks, Flatbed trucks
Dump trucks, Straight trucks, Food trucks
Heavy construction, Farming and livestock, Food truck vendors
Food delivery, Wholesale route, Distributors
Physical Damage Coverage
Collision provides coverage in the event of a loss or damage to an insured vehicle caused by a collision or overturn. Collision coverage must be written with Comprehensive or Fire and Theft with CAC.
Comprehensive provides coverage in the event of a loss or damage to an insured vehicle caused by incidents other than a collision. This includes damages due to fire, theft, vandalism, windstorm, or contact with an animal.
Fire and Theft with Combined Additional Coverages: provides coverage in the event of a loss or damage to an insured vehicle caused by a specific occurrence. The damage or loss must be caused by the following: fire, lightning or explosion; theft; windstorms or hail; earthquakes; flood or rising waters; vandalism; while being transported by a third party; or by a collision with an animal.
Comprehensive Only coverage is designed for seasonal businesses that do not operate year-round and store their vehicles for prolonged periods. Coverage protects vehicles in the event of damages due to fire, theft, vandalism, windstorm, or contact with an animal. Comprehensive Only coverage applies to all vehicles on a policy
PERSONAL INJURY PROTECTION COVERAGE (PIP) PIP coverage provides payments for appropriate benefits if an insured, or other persons covered under this policy is injured in an accident. PIP has three parts—(1) medical benefits: coverage for the cost of treatment the insured receives from hospitals, doctors, and other medical providers; (2) disability benefits: reimbursement for certain expenses that result from injuries, such as lost wages or any reasonable expenses incurred in obtaining services from others during a period of disability; and (3) death benefits: benefits payable if an insured dies because of bodily injury sustained in an accident.
Business Auto and Contractor Coverages
HIRED AUTO LIABILITY COVERAGE (BUSINESS AUTO)
Hired Auto provides excess liability coverage for a non-owned, unlisted vehicle the insured has leased, hired, rented or borrowed.
EMPLOYER’S NON-OWNERSHIP LIABILITY COVERAGE (BUSINESS AUTO)
Employer’s Non-ownership provides excess liability coverage to an insured for employees using their own (unlisted) vehicles incidentally in the course of the named insured’s business.
ANY AUTO LEGAL LIABILITY COVERAGE
Any Auto provides liability protection for any owned vehicle listed or acquired during the policy period and includes both Hired Auto and Employer’s Non-Ownership coverages. For individually named insureds, coverage applies to an unlisted vehicle while used in the business.
INDIVIDUAL NAMED INSURED COVERAGE
Individual Named Insured coverage is included automatically, free of charge, when the named insured is an individual AND chooses ‘personal’ use for a listed private passenger type auto. This coverage extends excess liability coverage to other non-owned passenger type autos when driven by the named insured or a resident relative. Physical Damage coverage is also extended if it was purchased for the listed non-business vehicle. The vehicle cannot be owned by the named insured, spouse, or any household resident, nor be available for regular use.
DRIVE OTHER CAR COVERAGE (BROADENED COVERAGE FOR NAMED INDIVIDUALS)
Drive Other Car is excess coverage that extends the scope of certain purchased coverages to scheduled individuals who reside with the executives of a partnership or corporation. Included coverages: Liability to Others, Uninsured and Underinsured Motorists (where applicable), and Physical Damage coverage.
TRANSPORTATION EXPENSES COVERAGE
Transportation Expenses provides coverage for temporary transportation expenses incurred as a result of an insured auto (must be a private passenger auto) being stolen. Coverage begins 48 hours after the theft is reported and ends when the insured auto is returned to the insured, or the vehicle is paid as a total loss.
MOTOR TRUCK CARGO LEGAL LIABILITY COVERAGE
Couriers and wholesalers are also eligible for Cargo, which provides liability protection for the property being transported by an insured vehicle.
Emergency Roadside Assistance coverage provides payment for an authorized service representative to provide:
(1) Towing of a covered disabled vehicle to the nearest qualified repair facility; and
(2) Labor (up to one hour) on a covered disabled vehicle at the place of disablement, this can include battery jump-start, flat tire change, emergency fuel, and fluid delivery,*, and locksmith service* when necessary due to a covered emergency.
*Customer pays only for the cost of the fuel/fluids and keys.
Additional Coverage Information
ADDITIONAL INSURED ENDORSEMENT
An additional insured is a listed person, entity or corporation who shares many of the rights of the named insured.
TEMPORARY SUBSTITUTE AUTO
Some carriers extend excess Liability and Physical Damage coverage to “temporary substitute autos.” A temporary substitute auto is any non-owned auto used by the insured or an employee, with the permission of the owner, as a substitute for an insured auto that is unavailable for normal use because of servicing, repairs or a loss.
PET INJURY COVERAGE
In the event of a loss covered under Collision or Comprehensive coverage,
Pet Injury coverage will pay first-party claims up to $1,000 for veterinary fees incurred as a result of injuries sustained by a dog or cat while riding in an insured vehicle with the express or implied permission of the named insured. Pet Injury coverage will also pay $1,000 if the dog or cat dies as a result of a covered loss, less any payment for veterinary fees for the pet, or is inside a covered vehicle when it is stolen and the pet is not found. No deductible applies to this coverage.