Operations this guide may include
- Company-owned cars, vans, pickups, and service vehicles
- Local and regional delivery fleets
- Mixed light- and medium-duty commercial fleets
- Businesses using employee-owned, rented, or borrowed vehicles
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- Who may drive and how are motor vehicle records reviewed?
- What are the vehicle uses, radii, mileage, and garaging locations?
- Are employees using personal, rented, or borrowed vehicles for business?
- Are there delivery, towing, passenger, or hazardous-material exposures?
Coverage topics to discuss
Commercial auto liability
Liability considerations for scheduled vehicles and covered business driving.
Physical damage
Collision and other covered damage considerations for owned commercial vehicles.
Hired and non-owned auto
A coverage discussion for certain rented vehicles and employee-owned vehicles used for business.
Umbrella liability
Potential additional liability limits above eligible underlying policies.
Information worth preparing
- Vehicle schedule with VINs, values, use, and garaging
- Driver roster, licenses, experience, and motor vehicle records
- Radius, mileage, customer, and delivery details
- Driver policies, loss runs, and current insurance information
This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.