Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile and medical payments. Injuries or damage to someone else are also covered.
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired),
or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Use of Personal Vehicles
Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business. Do you use your personal car or truck to conduct business? Remember that personal auto policies do not cover commercial use of your personal vehicle and you need a commercial auto policy for your personal vehicle. This includes business use for activities such as home cosmetics, jewelry sales or a pizza/food delivery business.