Commercial Auto

Liability and physical damage for vehicles used in business.

Overview

Commercial Auto covers autos titled to the business or used for business purposes. We can schedule light, medium, and some heavy vehicles. Options include hired and non‑owned auto (HNOA) and symbols 1, 7, 8, 9 depending on carrier appetite.

Key Features

  • Liability up to $2M (market‑dependent)
  • Hired & Non‑Owned Auto (HNOA)
  • Drive‑other‑car endorsements
  • Roadside and rental reimbursement

Eligibility & Required Documents

Eligibility

  • Valid U.S. driver’s licenses for all operators
  • Acceptable MVRs and loss history
  • Garaging locations in U.S.

Documents

  • Vehicle schedule (VIN, year, make, model)
  • Driver list (DL#, DOB, hire date)
  • Prior carrier & loss runs

Frequently Asked Questions

Can we add personal vehicles?

Personal vehicles used for business may be covered via HNOA; titled personal autos typically require a personal policy.