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 or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car.
Hired/Non-owned Auto Liability
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.
Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even when it's a business such as selling cosmetics, jewelry, or pizza delivery.
Every business is unique – talk to Insurance Offices Texas today to find out how to get the best commercial auto insurance, service, price and value.