Business Auto

This coverage is purchased when the organization owns the automobiles. A broad commercial automobile policy should include coverage for liability, comprehensive and physical damage, non-owned/hired automobile and uninsured and under-insured motorist. The liability portion of the policy will cover damage to other vehicles or property and injury to others for accidents for which you are at fault. Auto physical damage covers the repair of vehicles that the organization owns. Non-owned/hired auto liability as described may be purchased as part of the business auto insurance if your organization owns vehicles. Uninsured motorist coverage may be purchased with a business auto policy and this coverage affords protection for accidents involving uninsured or under-insured motorists.