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Yes — and you absolutely should get covered early.

Many carriers offer first-year business policies, especially if you’re clean on DMV and honest about your risk.

💬 Solution:

We help new ventures look like pros — with scalable policies that grow with you and prove you’re a serious operator.

Yes — and it’s often required if you’re operating across state lines, hauling materials, or expanding your crew.

We’re licensed in all 50 states and specialize in multi-state contractor and trucking policies.

💬 Solution:

Tell us where you work. We’ll handle the rest — compliance, filings, and state-specific carrier access.

 A commercial auto insurance policy provides financial protection for vehicles used primarily for business purposes. Unlike personal auto policies, it is specifically designed to address business-related liability, property damage, and occupational risk exposures that occur during work operations.

Typical coverages include:

• Liability coverage (bodily injury & property damage caused to others)
  
• Physical damage (collision and comprehensive for your vehicle)
  
• Medical payments / Personal Injury Protection (PIP) for injuries to you or your passengers
  
• Uninsured/Underinsured Motorist Coverage
  
• Hired & Non-Owned Auto (HNOA) for vehicles not owned by the business but used on its behalf
  
• Rental reimbursement and towing
  
• Optional endorsements like inland marine for tools or gap coverage for financed vehicles
  

🧠 Business Insight: If you operate a vehicle as part of your revenue generation — delivery, transportation, contracting, mobile services — a commercial policy isn’t optional. It’s essential protection against lawsuits, repair costs, and liability risks.

This is shorthand for split-limit liability coverage, and it refers to how much your commercial auto policy will pay for third-party claims:

• $100,000: Maximum per person for bodily injury
  
• $300,000: Maximum per accident for all bodily injury claims
  
• $100,000: Maximum per accident for property damage
  

➡️ This means your insurer would pay up to $100k for each injured person, up to $300k total for all injured parties in a single accident, and up to $100k for any property damage you cause.

💡 Pro Tip: Many contracts and state laws require higher limits. For high-risk industries like construction or trucking, $1M combined single limit (CSL) is more appropriate and often required.

While coverage options can be customized, the following are typically required or strongly recommended:

• Bodily Injury Liability
  
• Property Damage Liability
  
• Collision & Comprehensive (Physical Damage)
  
• Medical Payments / PIP
  
• Uninsured/Underinsured Motorist
  
• Hired & Non-Owned Auto (HNOA) for rented or employee-owned vehicles
  
• Employer’s Non-Owned Liability (if your staff drives their cars for work)
  
  

🧠 Businesses that fail to include essential coverages often learn the hard way — especially when borrowing vehicles, renting trucks, or allowing employees to drive.

• General Liability (GL) protects your business from non-vehicle-related third-party claims — like slip-and-falls, property damage at a job site, or advertising injury.
  
• Commercial Auto protects you from claims involving company-owned or used vehicles — such as car accidents, collisions, or delivery-related injuries.
  
  

🧠 Rule of Thumb:

• A customer trips in your office → GL covers it
  
• You rear-end a car during a delivery → Commercial Auto covers it
  

💡 Pro Tip: You need both policies to be fully protected.

Yes — if you include physical damage coverage, which breaks down into:

• Collision coverage: Repairs your vehicle after an accident (regardless of fault)
  
• Comprehensive coverage: Covers damage from non-collision events like fire, theft, vandalism, or weather-related damage
  

⚠️ Exclusions: Routine maintenance, wear and tear, and mechanical breakdowns are not covered.

💬 Always review your deductibles, as repair payouts only kick in once those are met.

Only if you’ve added Hired Auto Coverage or Hired & Non-Owned Auto (HNOA) to your policy.

• Hired Auto covers vehicles you rent or lease for business use
  
• Non-Owned Auto covers employee vehicles used for your business
  

🚨 Warning: Without these, you may be liable for rental damages, liability, or lost income on the rental company’s end — even if the accident wasn’t your fault.

💡 Many contractors and sales reps overlook this — it’s critical for businesses that rely on temporary vehicles.

For commercial policies, the bare minimum isn’t enough. Recommended baseline:

• $1,000,000 Combined Single Limit (CSL) liability
  
• Collision & Comprehensive with $500–$1,000 deductible
  
• Uninsured/Underinsured Motorist: Match your liability limits
  
• Medical Payments or PIP: $5,000–$10,000 minimum
  
• Hired & Non-Owned Auto (if employees drive their cars or you rent vehicles)
  
• Trailer coverage (if hauling materials or equipment)
  
  

⚠️ Contracts with GCs, municipalities, or shipping clients may require specific endorsements, filings (like MCS-90), or state-level proofs (like CA Form 65).

Personal Injury Protection (PIP) pays for medical expenses, lost income, and essential services if you or your passengers are injured in a car accident, regardless of fault.

Covered items often include:

• Ambulance and emergency room visits
  
• Ongoing medical treatment
  
• Funeral costs
  
• Rehabilitation or therapy
  
• Lost wages while recovering
  
• Childcare or domestic help due to injury
  

📍 Required in “no-fault” states like FL, NJ, NY, etc., but optional in others like CA or TX.

🧠 For tradesmen or gig economy drivers who can’t afford time off, PIP provides critical cash flow while healing.

An umbrella policy provides an extra layer of liability protection that kicks in when your underlying policies (like Commercial Auto or General Liability) reach their limits.

Example:

Your commercial auto liability maxes out at $1 million, but a lawsuit costs $1.8 million. Umbrella coverage would pay the extra $800,000 — potentially saving your business from collapse.

Typical limits: $1M to $10M+

🧠 Recommended for:

• Businesses with fleets
  
• Client-facing companies
  
• High-accident-risk professions (trucking, construction)
  
• Owners with substantial business or personal assets to protect
  

There is no single “best” commercial auto insurer — the best provider depends on:

• Your industry
  
• Fleet size and usage
  
• Driving history
  
• Location(s) of operation
  
• Regulatory requirements
  
• Desired limits and coverage
  

Top-rated commercial auto insurers (A.M. Best A- or better):

• The Hartford (contractors, small fleets)
  
• Progressive Commercial (flexible underwriting, fast quotes)
  
• Travelers (strong claims service)
  
• Nationwide (competitive rates for trades)
  
• Berkshire Hathaway GUARD (high-risk tolerance)
  
• Liberty Mutual (large fleet and construction)
  
• Zurich (enterprise and specialty industries)
  
  

💬 Work with one of our Broker Partners who understands your trade — not just your ZIP code.

No — engine failure due to wear, lack of maintenance, or manufacturer defects is not covered.

Commercial auto insurance is not a warranty or service plan.

It only covers:

• Accidental physical damage
  
• Fire, theft, vandalism
  
• Storm or external causes
  

🧠 If your vehicle breaks down due to age, oil issues, or mechanical problems — it’s on you. Consider adding a mechanical breakdown policy or extended warranty separately.

You should obtain commercial auto insurance before you:

• Start using a vehicle for any business purpose
  
• Register a vehicle under a business name
  
• Hire employees who drive
  
• Transport equipment, tools, or inventory
  
• Accept payment for deliveries, hauling, or services
  
• Lease or finance a vehicle under your business
  

⚠️ Many businesses delay coverage until it’s required by a client or contract — that’s too late. One uninsured accident could be career-ending.

💡 Proactive coverage saves money, protects your assets, and builds trust with clients.

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