Where do you find commercial automotive liability coverage?


Most insurance companies that provide auto insurance coverage to private individuals will also offer commercial automotive liability coverage. You can also buy this online, since most of the major players will have a website that will answer your requests for quotes. You can also contact your insurance agent, so that a quote may be made that will suit the specifics of your business.

As with personal liability insurance, most states also require business to carry commercial automotive liability cover.

When do you need Commercial Automotive Liability Coverage?

If you drive a vehicle that is owned by your company and that is used for business purposes, then you should get commercial automotive liability coverage. This cover is similar to liability auto insurance for individuals in that it will pay for any liability you incur as a result of a car accident you cause, be it bodily injury or damage to property.

When Buying This Coverage

Here are some reminders when you talk to the agent or a representative from the insurance company:

  • Ask for details of the coverage. How much will be provided for liability cover, and if you want additional levels of protection, for comprehensive cover, collision cover and rental reimbursement cover.
  • Ask the conditions of the coverage. There may be clauses that actually prohibit you from using the vehicle for certain purposes.

Commercial vehicles have a higher risk factor. As such, you need to find the right commercial automotive liability coverage that will provide you and your business with adequate liability cover to protect your assets.

Aside from bodily injury and property damage, a good commercial automotive liability coverage will provide the following:

  • Hired and non-owned automobile insurance. This provides coverage for cars that are leased, rented or hired - cars that are not owned by the business. This may also include the employee's cars, as well as the cars of your household members, as long as these were used in the course of the business' operations.
  • Drive other car coverage. This provides protection to company cars assigned to employees who don't own a personal car and who therefore does not have personal liability cover. This protects the employees when they borrow a car from another party.
  • Uninsured and underinsured motorists coverage. This will help pay for any damage you incur when the driver at fault is not insured or is underinsured.
  • Upset and overturn - pollution cover. Provides payments for liability in case a covered car overturns and fuel, gases or lubricants are spilled.
  • Garage liability. Protects the business against any liability incurred while the covered cars are being serviced by a garage.
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