Liability
Compare limits when a vehicle damages others during business operations.
BUSINESS PROTECTION
Commercial auto & fleets
Business use changes how a vehicle is evaluated. Beyond company-owned vehicles, rentals or employee cars used for work may matter.
UNDERSTAND YOUR OPTIONS
What this insurance may address
Protection for vehicles used in business operations.
Purchased physical damage coverage
Decide whether to insure damage to the vehicle itself and at what deductible.
Hired and non-owned auto options
Describe rented or employee vehicles to review relevant options.
A situation to consider
If an employee uses a personal car to visit clients, discuss the non-owned auto exposure.
QUESTIONS WORTH ASKING
Start your quote with clarity.
- Which vehicles does the business use?
- Who drives them and for what purpose?
- Are rented or non-owned vehicles part of operations?
PREPARE FOR THE CONVERSATION
Have these handy if available:
- Vehicle and driver list
- Routes, use and cargo type if relevant
- Current policy and loss history
- Contracts requiring specific limits
Our team can explain any additional information a carrier requests.
FREEDOM INSURANCE
You may also explore
BUSINESS
Trucking
Options for commercial trucking risks.
Learn more ↗
BUSINESS
Motor truck cargo
Protection for specified freight in transit under policy terms.
Learn more ↗
BUSINESS
Commercial umbrella & excess
Additional limits above specified business liability policies.
Learn more ↗Learn more from official sourcesRead this official guide ↗
This is general information. Coverage, limits, exclusions, eligibility and pricing depend on the insurer and policy. Confirm your options with our team.