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Vehicles are essential for businesses to conduct their operations. Vehicles may be owned or leased, hired for limited use, or owned by employees but used for business purposes. Having adequate insurance for your business vehicle(s) or your employees’ vehicles used for small errands will help protect your assets if someone is injured or there is property damage in an accident in which you are at fault. You have a lot of options for coverage, and we’ll guide you to select the limits and deductibles that are best for you.
Business Auto FAQs
What liability limit should I have on the policy?
No less than $1,000,000 per occurrence. You should review your exposures with us to determine a limit based on your business/situation.
I have a trailer that is used for my business. Do I need to insure it on my business auto policy?
It depends on the gross vehicle weight. We can work with you to determine whether it needs to be listed.
When I transport supplies to a job site, are the supplies in my vehicle/on my trailer covered under my business auto policy?
No. Coverage can be added to your Commercial Package or Businessowners policy for items in your care, custody, or control.
I have tools stored in my business vehicle. Will the tools be covered if my vehicle is stolen or if tools are stolen from my vehicle?
A business auto policy does not provide coverage for tools. They can be insured separately on another type of policy for coverage if they are stolen.
My farm vehicles have a farm registration or are “registration-exempt.” Can I insure them in my business auto policy?
Likely not. The vehicles should be listed on the farmowners policy. Be aware of PennDOT restrictions for use.
Are my family members allowed to drive my business vehicles?
Yes, however, it’s not recommended that you assign a business-owned vehicle to a youthful driver for regular use.
Does my policy have an age restriction for drivers?
No, however, youthful and senior drivers may be evaluated on their driving records by insurance underwriting.
Is it ok for my employees to drive their personal vehicles to run errands for my business?
It can be with the correct coverage.
First, make sure your employee has a personal auto policy for their vehicle. Their insurance would be the first to respond if your employee is at fault in an accident.
Second, check with us about your business auto policy. We will make sure you have coverage if your employee is at fault in an accident while running an errand and the other driver sues you for additional damages.
If I rent a vehicle, is it covered by my business auto policy?
It can be with the appropriate endorsements for physical damage and liability. We recommend purchasing the insurance through the rental company to eliminate gaps in coverage, such as loss of use of the rental vehicle or charges for diminished value. Consult with us before renting vehicles.
