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What You Need to Know About Commercial Auto Insurance

10/3/2016

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Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car. Injuries or damage to someone else are also covered. 
 
Hired/Non-owned Auto Liability
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
 
Use of Personal VehiclesInsurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business. 
 
Every business is unique –  Talk to us today to find out how to get the best commercial auto insurance, service, price and value. Give your HALO insurance agent a call at 314-351-HALO (4256). 
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HALO Insurance & Benefits Group
7413 Manchester Rd
Maplewood, MO 63143
(314) 351-4256
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Photos used under Creative Commons from Joe The Goat Farmer, Boris Thaser
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