Commercial Auto Insurance

Automobile Liability Insurance

Protection for loss incurred through legal liability for bodily injury and property damage caused by accidents arising out of ownership, maintenance, or use of an automobile.  The insurance company also defends on behalf of the insured.

Automobile Medical Payments Insurance

An optional coverage under an automobile liability policy which pays the medical expenses of the policyholder and any of the passengers injured by the insured automobile, irrespective of who was responsible for the accident. 

Collision Coverage

It covers damage to the insured's vehicle caused by the impact with another vehicle or object, or overturn of the vehicle.

Comprehensive Coverage

It covers damage to the insured's vehicle from causes other than collision or overturn—which are insured separately under collision coverage—such as theft, vandalism or fire.

Hired & Non-owned Automobile Liability Coverage

Hired Auto Liability provides coverage for liability arising out of the use of automobiles that are leased, hired, rented or borrowed by the insured or its employees for business purposes.

Non-owned Liability provides coverage for an employer when employees or agents use their own vehicles on behalf of the employer. The coverage can be provided by a commercial auto policy or endorsed to a commercial general liability policy.

Towing and Labor

Covers towing and labor costs incurred when a covered private passenger type auto is disabled. There is a special towing and labor limit. Labor costs are only covered if the labor is performed at the site of disablement.

Uninsured Motorist Coverage

It pays damages for bodily injury to its own insured for which an uninsured motorist is legally liable but unable to pay.