It is built around the vehicle and the liability, not around everything in or near it. An employee hurt in a company vehicle is a workers’ compensation claim. The freight you haul for others is not covered by the liability limit and needs motor truck cargo coverage. Tools and equipment carried in the truck sit on inland marine, not on the auto policy. An employee’s own car driven on your errand reaches the business only through hired and non-owned auto. Physical damage to a vehicle you rent is separate again, and has to be added deliberately.
Related FAQs
Enough to describe the vehicles, the drivers, and the operation. That means the VIN and stated value for each unit, the garaging address, the radius you run, and what ...
The biggest difference is who is covered, and it is decided by numbered symbols rather than by a list of cars. A commercial auto declarations page assigns a symbol ...
It depends on whether you are simply a business with vehicles or a motor carrier. An ordinary commercial vehicle sits on the same statutory floor as a private passenger ...
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