Commercial Auto Covers the Vehicles That Keep Your Operation Moving
Commercial auto insurance covers the vehicles your manufacturing business owns, leases, or uses, from delivery trucks to a full fleet. It responds to accidents, liability, and physical damage that personal auto policies will not cover for business use.
What It Covers
- Liability for bodily injury and property damage from a business vehicle accident
- Physical damage to your vehicles (collision and comprehensive)
- Medical payments, depending on the policy
- Trailers and attached equipment, when scheduled
The Coverage Manufacturers Forget: Hired and Non-Owned Auto
Even if you don’t own a fleet, you likely have exposure:
- Employees running errands or making deliveries in their own vehicles
- Rented or borrowed vehicles used for business
- Personal vehicles used for company tasks
Hired and non-owned auto coverage addresses these situations, and many manufacturers don’t realize they’re exposed until a claim.
Common Gaps
- Relying on personal auto policies for business use
- No hired or non-owned auto coverage
- Liability limits too low for a serious accident
- Equipment hauled on trailers not properly covered
If you’re also transporting equipment or finished product, see how inland marine insurance covers property in transit. For a full overview, see what insurance does a manufacturer need in Utah.
Do Your Vehicles and Drivers Have the Right Coverage?
Whether it’s one truck or a fleet, a review confirms your limits and closes the gaps personal policies leave open.