Products
Commercial Auto / Vehicles
Commercial Auto
Commercial auto is reviewed when business-owned vehicles, service vans, trucks, delivery vehicles, or titled autos are part of daily operations.
Coverage
What it usually handles
- 01Liability and physical damage for vehicles used by the business.
- 02Drivers, vehicle schedules, garaging, radius, and usage patterns.
- 03Contract requirements for service work, delivery, hauling, and field operations.
Triggers
When it comes up
- 01A vehicle is titled to the business.
- 02Employees drive vans, trucks, or autos for jobs or deliveries.
- 03A contract requires commercial auto limits.
Quote file
Inputs carriers usually need
- 01Vehicle year, make, model, VIN, ownership, and garaging address.
- 02Driver names, license details, and motor vehicle records.
- 03How vehicles are used, where they travel, and what they carry.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.