Who Does Your Commercial Auto Policy Cover?

Most businesses that own or use vehicles for work need commercial auto insurance. This type of policy may provide financial protection against accidents, lawsuits and other operational risks.

Who Is Covered Under a Commercial Auto Policy?

In Florida, commercial auto insurance can be customized to match your exposure. Policies may cover the following:

• Named insured—Your business, as listed on the policy, is the primary insured party.
• Employees—Drivers who are employed by your business and operate company vehicles with your permission are generally covered.
• Permissive users—Individuals who have your consent to drive a covered vehicle for business purposes may also be covered, depending on your policy terms.
• Additional insureds—Some policies allow you to add contractors or other parties as additional insureds if they regularly use your vehicles for business.

What Vehicles Are Included?

Commercial auto policies may cover many types of vehicles, including:

• Company-owned cars, trucks and vans
• Leased or rented vehicles used for business
• Employee-owned vehicles used for work (with the proper endorsements)
• Specialty vehicles, such as delivery vans or service trucks

It’s important to note that personal vehicles used occasionally for business may not be fully covered under a standard personal auto policy. Our team at The Insurance Superstore can help you determine if you need additional coverage, such as hired and non-owned auto insurance.

Get a Quote

The Insurance Superstore can help make sure the right people and vehicles are covered under your commercial auto policy. Contact our team today for any questions or to get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.