COVERAGE / COMMERCIAL AUTO

When a vehicle does more than get you home

If a vehicle is titled to a business or used for work, a personal auto policy may not respond to a claim.

WORK USE

Personal policies often exclude vehicles used regularly for business. Commercial auto closes that gap.

TRUCKS AND TRAILERS

Farm trucks, horse trailers, work vans and the equipment they tow.

EMPLOYEES WHO DRIVE

Coverage for the people you allow to drive your vehicles.

HIRED AND NON-OWNED

Covers liability when you or your staff use rented or personal vehicles for business errands.

HIGHER LIMITS

Commercial liability limits can sit under your umbrella so everything stacks correctly.

QUESTIONS

I sometimes use my personal car for work. Do I need commercial auto?

It depends on how often and for what. Call us and describe how you use it. That conversation takes five minutes and can prevent a denied claim.

Can my farm truck and horse trailer be on one policy?

Usually, yes. We will look at how they are titled and used and place them together.

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