Business Auto Insurance

- Risk Assessment Tool -

Are all vehicles titled to the proper business name that is listed on the policy?

Are all driving records verified before hiring an employee who will be operating a vehicle for business purposes either a business owned vehicle or a personal vehicle?

Are business vehicles used for personal usage? If so have you verified the employee’s liability coverage on their personal vehicle?

Are any vehicles driven outside the United States?

Does the business provide a car allowance for business use of a personal vehicle?

Does the business Umbrella Insurance fit properly over the Commercial Auto and General Liability policies?

Are Defense Costs inside or outside the policy limits?

Are both the Commercial Auto and General Liability covered by the same carrier due to loading and unloading exposures?

Does your business service, repair or sell vehicles licensed for road use?

Does your business service, repair or sell motorized vehicles or equipment not licensed for road use, including watercraft?

When you purchase a new vehicle, do you know how many days you have to add this vehicle to the policy?

Is a newly purchased vehicle covered for both liability and physical damage at the time of signing the bill of sale?

Do you need False Pretense coverage, otherwise known as “Bad Check” coverage?

Do you know how to file an auto claim and is this information located in every vehicle?

Do you have a business perpetuation plan in place and funded?

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Business Auto Insurance

- Risk Assessment Tool -

Protection is our purpose!