Commercial Auto Insurance
Commercial auto covers the vehicles your business owns and operates — delivery trucks, yard trucks, and tow vehicles used to move trailers to customers and back. Personal auto policies exclude this business use.
Commercial Auto for Trailer Rental Businesses
If your business delivers trailers, repositions units between locations, or tows fleet trailers with company trucks, you have commercial auto exposure. Personal auto policies exclude business use, and an at-fault accident in a company tow vehicle hauling a trailer is a serious liability event.
What's Covered
- Liability: At-fault accidents causing injury or property damage while your staff tow or deliver
- Collision & comprehensive: Damage to your tow and delivery vehicles
- Hired & non-owned auto (HNOA): Rented trucks or employee vehicles used for deliveries
- Combination liability: Coverage for the truck-and-trailer combination during company operations
Owned Trailers in Transit
When your staff tow a fleet trailer, the truck's commercial auto liability extends to the attached trailer for liability purposes; physical damage to the trailer itself is handled by your rental fleet physical damage policy. We coordinate both so there's no gap at the hitch.
Fleet & Driver Considerations
Driver MVRs, radius of operation, and whether you cross state lines all affect rating. We place coverage with carriers that understand delivery-and-tow operations rather than generic business auto.
What's Covered
Frequently Asked Questions
Yes. Any business use of a vehicle to tow or deliver trailers requires commercial auto. Personal policies exclude it, and an accident during a delivery would likely be denied without proper commercial coverage.
The truck's liability extends to the attached trailer for third-party claims, but physical damage to the trailer itself comes from your rental fleet physical damage policy. We make sure both align so nothing falls through the gap.