General Liability GL
Offices, shops, and service businesses · Contractors who must give certificates to general contractors
Core protection if a third party alleges bodily injury or property damage arising from business operations.
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Commercial Lines
Commercial Auto / Fleet Fleet
Protection for business vehicles and fleets used in daily operations.
If the vehicle is titled to the business, or used mainly for work, a personal auto policy is usually the wrong policy. Commercial auto is the version written for work vehicles and fleets.
How it works
Commercial auto covers liability and, if you choose it, physical damage for vehicles the business owns. It can also cover hired autos (vehicles you rent) and non-owned autos (employees running errands in their own cars on company business). That last piece surprises a lot of owners. One service van, a small contractor fleet, or a dozen delivery units can all sit on this form. We look at driver lists, radius of use, and whether any vehicle is doing something a personal policy would exclude — like deliveries or carrying tools to job sites all day.
Who this is for
- Contractors and trades with work trucks or vans
- Distributors and service companies
- Any business that rents vehicles or has staff driving their own cars for work
- Companies whose personal insurer has already said “this is commercial use”
What it typically covers
- Liability for accidents involving business vehicles
- Collision and comprehensive on owned units, if carried
- Hired and non-owned auto, when added
- Fleets from one vehicle up
A simple example
An employee grabs a rental van for a job and backs into a parked car. Hired-auto coverage on the commercial policy is what is supposed to respond — not the employee’s personal policy.
Good to know
- Putting a work truck on a personal auto policy can leave a claim unpaid.
- Driver records and vehicle use have to be described honestly or the policy may not perform.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
When a work vehicle needs commercial auto, not a personal policy
Title, use, deliveries, and hired/non-owned coverage — the points where a personal auto policy usually stops.
Read guideGuide
What to review before renewing commercial liability
Limits, additional insureds, class codes, and the claims that actually blow through a $1 million GL policy.
Read guide