Start with how your business uses vehicles.
We review your vehicles, drivers, deliveries, business travel, and operating locations to understand what your program needs to address. As vehicles are added or replaced and operations change, we help you consider the coverage implications and the information your insurer needs.
- Liability coverage for covered bodily injury and property damage claims
- Physical damage coverage for insured vehicles, with appropriate deductibles
- Uninsured and underinsured motorist coverage and other applicable state-specific options
Look beyond the vehicles you own.
A rental car for a business trip or an employee using a personal vehicle to pick up supplies can create liability exposure for your company. We help you evaluate hired and non-owned auto liability and review how your coverage addresses these situations. Liability protection and damage to the rented or employee-owned vehicle are separate considerations; coverage depends on the policy and endorsements.
Connect driver safety with your insurance program.
We help clients establish driver eligibility and motor vehicle record (MVR) standards and review fleet safety policies. Support is tailored to your operations, from who is eligible to drive to how driving expectations are communicated. We also help identify relevant training and coordinate available carrier risk control resources.
Explore our risk control services →
Choose limits and deductibles deliberately.
We consider your claims history, vehicle use, and ability to absorb losses when evaluating limits and deductibles. We explain the tradeoffs between premium and the costs your business retains, and review how commercial auto liability connects with your umbrella or excess coverage.
Support when an accident happens.
Our commercial claims team helps with reporting, coverage questions, and carrier coordination. Involvement is tailored to the claim and the support needed, helping your team understand the process and address questions as the claim develops.
Explore our claims advocacy support →
Evaluate specialized needs where they apply.
Transporting goods or holding customers' vehicles can create exposures that need separate attention. Where relevant, we help evaluate motor truck cargo or garagekeepers coverage alongside the auto program, rather than assuming these exposures are addressed by standard auto liability or physical damage coverage.
