Commercial Auto Insurance
In the A&E and construction sectors, vehicles are often used for site visits, equipment transport, and business operations. Commercial Auto insurance is designed to address covered liability and physical damage exposures arising from vehicle use, subject to the terms, conditions, exclusions, and limitations of the policy issued.
Coverage structure varies depending on fleet size, vehicle type, driver profile, and operational use.
1
Fleet Exposure Review
Commercial Auto placement may include review of vehicle schedules, radius of operation, driver classifications, and loss history to determine appropriate coverage structure and limits.
2
Driver & Underwriting Considerations
Carriers typically evaluate driver eligibility, Motor Vehicle Records (MVRs), and internal safety practices during underwriting. Requirements and eligibility standards vary by insurer.
3
Hired & Non-Owned Auto Exposure
Where applicable, policies may include Hired and Non-Owned Auto liability coverage for business use of rented or employee-owned vehicles, subject to policy terms and underwriting approval.
4
Physical Damage & Deductible Structure
Coverage may include Comprehensive and Collision for scheduled vehicles. Deductible options, valuation methods, and sublimits vary by carrier and policy form.
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