Commercial auto insurance can cover a combination of vehicle types and drivers, as well as some types of motorized equipment.
It provides for bodily injury liability and property damage while operating a company automobile, medical payments, or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else is also covered.
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.
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.