Business Vehicle Policy

black-carBusiness Auto Insurance

Most commercial clients have some exposure to automobile liability or physical damage as a normal part of their operations. Business auto policies contain a liability section that covers claims for bodily injury and property damage. This can also provide protection when a claim involves an uninsured or underinsured motorist, hired car or other non-owned automobile. It also contains a Physical Damage section, which can cover comprehensive perils including losses to fire, theft, windstorm, flood and collision.

Garage Liability and Garage Keeper’s Insurance

Garage Keeper’s insurance is found in commercial insurance policies, along with business auto general liability and property coverage, and provides coverage for vehicles left in the insured’s possession that are otherwise excluded under the general liability policy’s auto exclusion. It can cover owners of storage garages and parking lots. Coverage is contingent upon establishing liability on the part of the insured.