Nadler Insurance
Commercial LinesInsurance EducationVideo

Coverage Explanation: Commercial Auto Insurance

By Zach Nadler·

Show Notes

Quick summary

Commercial auto insurance is designed for vehicles used in a business, including business-owned vehicles and many situations where personal auto policies may not respond. This episode explains when commercial auto is needed and what to look for.

When commercial auto may be needed

  • A vehicle is titled to a business
  • Employees drive for work
  • You haul tools, equipment, or products
  • You do deliveries or transport people
  • You use specialty vehicles (vans, pickups, service vehicles)

    • Key coverages (plain-English)

  • Liability: injury or property damage to others caused by your business vehicle use
  • Physical damage (comp/collision): damage to your vehicles (deductibles apply)
  • Medical payments: medical costs for occupants (varies)
  • Uninsured/Underinsured motorist: protection if the other driver has no or not enough insurance (varies)

    • Common add-ons to discuss

  • Hired and non-owned auto (HNOA)
  • Additional insureds (when contracts require it)
  • Towing / roadside
  • Rental reimbursement

    • Common gaps and misconceptions

  • “Personal auto covers business use.” (Sometimes, but often with limitations.)
  • “Any driver is automatically covered.” (Driver eligibility and usage matter.)
  • “All equipment is covered in the vehicle.” (Tools/property may need separate coverage.)

    • What to gather before quoting

  • Driver list + license info
  • Vehicle list + VINs
  • Annual mileage and garaging addresses
  • Description of business use

    • Video

  • Watch here: https://youtu.be/jS0PGH0n2sQ?si=3-z_MQ0rxQx0yDJc

    • Notes