Commercial Auto Insurance Specialty Coverage
If you have commercial auto insurance, you may want to look into specialty coverage. But, that’s why Insurance Navy exists. We’re here to help you with any commercial vehicle insurance needs. So, we’ve made this list of information on specialty coverage, to inform you.
If business employees use personal cars for business-related errands, this is a valuable coverage option for a company. It also provides liability insurance. This is for employees involved in a car accident. Limits for non-owned car coverage are the same as the liability coverage limits on an auto insurance policy.
This provides liability insurance. Additionally, this is for hired cars and non-owned cars. If you want to buy any auto coverage, the policyholder cannot have Hired Auto or Non-Owned coverage. This coverage does not provide comprehensive or collision coverage.
If a business uses a car for business purposes and it’s not listed on the commercial auto policy, hired auto coverage may be necessary for liability protection. However, to buy Hired Auto coverage, the policyholder must have liability commercial auto insurance. For instance, the limits for hired auto coverage are the same as the liability limits on the auto policy.
Drive Other Car
This is useful in a few cases. Such as, if employees or small business owners need to borrow, rent or lease a car for business purposes. Because, it extends the coverage on a commercial auto policy to those cars. The limits for Drive Other Car coverage are the same as the limits on the policy.
Single Deductible Endorsement
This is a free endorsement. It is automatically added to a commercial auto policy. It also protects the policyholders. As long as they are in an accident, which requires a payment to multiple deductibles. With this endorsement, policyholders only pay the highest deductible. However, the insurance provider covers the others.
Do you need more information about business auto insurance or commercial car insurance specialty coverage? Our agents and customer service representatives are here to help with your specialty insurance coverage needs. Call us today at 888-949-6289 or visit your nearest Insurance Navy location. Because we care about your convenience, our offices open from 8 a.m. to 9 p.m. CST. Moreover, they are open 7 days a week.
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