This policy can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained, or used by you. Additional coverage’s such as medical payments and uninsured motorist protection can be purchased to “customize” the policy to fit your business’ needs. Choices include:
• only the listed autos (scheduled) on the application
• all “owned autos” - This covers both the vehicles scheduled on the policy and also any others that might be acquired during the term of the policy (and temporary substitute autos). There is no extra initial premium for this.
• any auto - This is the broadest coverage available. It covers autos scheduled, autos later acquired, autos hired (or leased or borrowed) and autos not owned by the business but being driven by an employee on company business.
There is an extra premium charge for the inclusion of hired and non-owned autos.
Coverage’s Available Include:
Auto Medical Payments
Auto Physical Damage
Drive other cars coverage
- A coverage that might be needed by persons who have regular use of a company car, including use for their own personal use. The coverage is for their individual protection, rather than for the protection of the business or firm.