1. Bodily Injury & Property Damage Liability
Liability is the foundation of every commercial auto policy, paying for medical bills, property damage, and legal defense when you or one of your employees causes an accident in a company vehicle. We help you set combined single limits (often $1M+) that satisfy general contractor contracts and protect your business assets.
Real-world example: If your driver rear-ends someone on the way to a job site, liability pays for their injuries, repairs to their vehicle, and your company's legal defense if they sue.
2. Physical Damage (Collision & Comprehensive)
Physical damage covers the cost to repair or replace your own work trucks, vans, and permanently attached equipment when they are damaged. Collision handles rollovers and crashes, while Comprehensive covers theft, vandalism, fire, falling objects, windshield damage, and animal strikes.
Real-world example: If one of your service pickups hits a deer on I-90 before dawn or has its catalytic converter stolen in a hotel lot, physical damage pays to get your truck back on the road.
3. Medical Payments / Personal Injury Protection (PIP)
Medical Payments (MedPay) and PIP cover immediate medical expenses, hospital bills, and funeral costs for your driver and passengers hurt in a covered vehicle, regardless of who caused the crash. It steps in right away without waiting for fault to be sorted out between insurance companies.
Real-world example: If two of your crew members are riding to a project and get hurt when another car slides through an icy intersection, MedPay or PIP helps cover their immediate ER bills right away.
4. Uninsured & Underinsured Motorist (UM/UIM)
UM/UIM protects your drivers, passengers, and company vehicles when an at-fault driver has no insurance at all or carries state-minimum limits that don't come close to covering the damage. It also steps in after a hit-and-run accident.
Real-world example: If an uninsured driver T-bones your electrician's van and totals $45,000 worth of vehicle and upfitting, UM/UIM covers the loss so your business isn't left paying out of pocket.
5. Hired & Non-Owned Auto (HNOA)
Hired and Non-Owned Auto extends your company's liability protection to vehicles your business rents, leases, or borrows (Hired), as well as personal cars your employees drive on company errands (Non-Owned). Even if a worker's personal insurance pays first, your business can still be named in a lawsuit if they crash while on the clock.
Real-world example: If your project manager drives their own pickup to pick up supplies at the lumberyard and causes a wreck on the way back, Non-Owned Auto protects your business when the injured driver's attorney names your company in the claim.
6. Motor Truck Cargo & Tools in Transit
Standard commercial auto physical damage covers the truck itself, not the freight, customer goods, or mobile tools inside the bed or box. Motor Truck Cargo and Inland Marine floater coverage protect the materials, goods, or equipment you haul if they are damaged in a crash, fire, or theft.
Real-world example: If your flatbed or enclosed trailer overturns in high winds on Ryegrass Summit while hauling a customer's equipment or $30,000 in HVAC units, Motor Truck Cargo pays to replace the damaged load.
