If your business owns vehicles, leases them, or relies on employees or contractors driving to events, job sites, or client locations, personal auto coverage will not protect you when a claim arises from that business use. Commercial Auto covers owned vehicles, hired vehicles, and non-owned vehicles used in business operations. For mobile operators - mobile paintball, mobile laser tag, mobile entertainment - Commercial Auto is not optional. Neither is Hired and Non-Owned Auto coverage for businesses where staff drive their personal vehicles for company purposes.
What's Covered
- Liability for at-fault accidents
- Physical damage (collision + comprehensive)
- Hired and non-owned auto liability
- Trailers and equipment transport rigs
- Mobile operation vehicles
- Employee use of personal vehicles for business
If you run mobile paintball, laser tag, or axe throwing from a vehicle or trailer, your personal auto policy will not cover a business loss. Commercial auto is non-negotiable.
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