Commercial Auto

Commercial auto insurance, sometimes called business auto, helps protect a business from financial exposures associated with injuries or property damage suffered by others from an accident caused by the business owner or their employees in an insured commercial vehicle. Commercial auto liability insurance can cover any type of commercial vehicles, including cars, SUVs, vans and trucks.

Who Needs Commercial Auto Insurance?

Any business whose owner(s) or employees use company-owned vehicles for business purposes should carry commercial auto insurance. Some common activities done with company vehicles that can be covered under commercial auto include, but are not limited to:

Transportation of medical equipment.
Delivering goods or documents to other businesses.
Delivering goods or services to clients or customers.
Transportation of other employees or clients to work-related activities.
Picking up food or office supplies from an off-site location.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance covers a variety of vehicles and situations. DK&V will listen to your needs in order to create a customized and comprehensive coverage plan specifically for you. Typical commercial auto insurance can include:

- Bodily injury liability
- Property damage liability
- Personal injury coverage
- Collision coverage
- Comprehensive coverage for costs outside of collision
- Medical expense coverage
- Uninsured and underinsured motorist protection
- Rental coverage if a loaner is needed while the insured vehicle is being repaired after a loss

What Does Commercial Auto Liability Insurance Exclude?

Like any other insurance policy, commercial auto insurance comes with a number of exclusions and may be covered under separate policies. Here are four common scenarios that are not covered by commercial auto insurance:

Workers’ Compensation, short-term or long-term disability benefits. If an employee were to be injured while driving or riding in a company vehicle, benefits paid to them would be made through the company’s workers’ compensation policy.
Expected or intended injury. Any intentionally-caused injury or damage to a third party would not be covered under commercial auto. Example: if the insured driver caused an accident due to road rage, it would be excluded from coverage.
Employer’s liability. Claims against the employer by employees injured in a company vehicle would need be covered by employers general liability coverage.
Non-Owned or hired auto liability. Bodily injury or property damage caused by a rented, borrowed or other non-owned vehicle would not be covered by commercial auto liability. However, non-owned and hired auto liability coverage can be added to a general liability policy, if needed.

Some of our targeted industries

While Sanford Family Insurance can support nearly every situation, below are the industries that Farmers has a strong appetite and business areas that we believe we can better compete.