Insurance
Commercial Auto
Owned, hired and non-owned vehicles, including the ones you forgot about.
Commercial auto is one of the most severe liability lines going. One bad accident can blow through your limits. And the most common gap isn’t the fleet policy at all, it’s hired and non-owned auto. Employees running errands or dropping something off in their own car, where their personal policy may exclude business use and yours may not stretch to cover it.
We cover the fleet properly and close that non-owned gap, then work on the driver screening and telematics that make a real difference to both your loss record and your premium.
What you get
Non-owned covered
Employees in their own cars on your business. The most common gap on this line.
Limits sized for severity
Auto claims get big. Limits set against a realistic worst case.
Driver screening
MVR programmes that bring down both how often you claim and what you pay.
Telematics where it pays
Where monitoring earns a credit big enough to justify running it.
Commercial Auto
Let's talk about commercial auto.
Vehicle liability and physical damage cover, including hired and non-owned auto for staff driving their own cars on company business.