Fleet & Auto Articles

Getting the right vehicles on the right policy

Contractor auto claims often start with a vehicle nobody thought of as a business vehicle — a pickup titled to the owner personally, a truck rented for a single job, or a crew member's own car used to pick up supplies. The two articles in this category explain where those gaps come from: commercial auto vs. personal auto covers why a work truck's ownership and use should be reviewed against both policies, and hired and non-owned auto covers liability from vehicles the business rents, borrows or doesn't own at all.

Before your next renewal, list every vehicle used for work, whose name is on its title and registration, who drives it, and whether employees ever run errands in their own cars. That list is what an underwriter needs to schedule the right vehicles and decide whether hired and non-owned coverage belongs on the policy. For-hire trucking and dedicated hauling have their own filing and cargo questions, covered on our trucking and fleet pages.