Commercial Auto Insurance

Your personal car insurance policy doesn’t cover vehicles used by your business, which is why commercial auto coverage is important. If you use vehicles to provide your employees a way to get around, or to move equipment and/or products you need commercial auto insurance. Protect against traffic accidents, vandalism, or even if an uninsured driver hits your vehicle.

Commercial auto coverage insures against property damage to vehicles and damage caused to others by those vehicles. Coulter Insurance Agency can cover any commercial vehicle from a business car, van, semi trucks, even a dump truck. Let Coulter Insurance Agency's experts put together a policy that helps protect your business’ investment.

Optional Coverages

HIRED AUTO LIABILITY COVERAGE-

Hired Auto provides excess liability coverage for a non-owned, unlisted vehicle the insured has leased, hired, rented or borrowed. See the policy for details. Rules: › For Business Auto and Contractor program risks, the coverage is available for incidental or “if-any” exposures only; annual cost of hire cannot exceed $5,000 at policy inception. › For Truck program risks, this coverage is available for contractual obligation only; $0 annual cost of hire. Limits must match BI/PD.

EMPLOYER’S NON-OWNERSHIP LIABILITY COVERAGE-

Employer’s Non-Ownership provides excess liability coverage to an insured for employees using their own (unlisted) vehicles incidentally in the course of the named insured’s business. See the policy for details. Rules: › The coverage is available for incidental or “if-any” exposures only. › For Business Auto and Contractor risks, annual cost of hire cannot exceed $5,000 at policy inception. › Regular use of unlisted employee vehicles is unacceptable. “Regular” is defined as more than two times per week. › Must be written in conjunction with primary liability coverage. › Limits must match BI/PD. › At new business, insured cannot have more than 10 employees.

ANY AUTO LEGAL LIABILITY COVERAGE-

Any Auto provides liability protection for any owned vehicle listed or acquired during the policy period, and includes both Hired Auto and Employer’s Non-Ownership coverages. For individual named insureds, coverage applies to an unlisted vehicle while used in the business. See the policy for details. Rules: › The coverage is available for incidental or “if-any” exposures only; annual cost of hire cannot exceed $5,000 at policy inception. › Customer must have a contract requiring Any Auto. › For partnerships and corporations, all owned vehicles must be listed at the start of every policy period for coverage to apply. › For individual named insureds, all owned vehicles used in the business must be listed at the start of every policy period for coverage to apply. › Eligible business classes include construction/trade contractors, builders, general contractors, landscapers, florists, and select service classifications. Limits must match BI/PD. › Cannot be written in conjunction with Hired Auto or Employer’s Non-Ownership. › At new business, insured cannot have more than 10 employees