Commercial Auto Insurance cover your businesses for ownership of 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 Insurance is not optional. Neither is Hired and Non-Owned Auto Insurance 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 any type of Mobile Operated Business (ie. paintball, laser tag, axe throwing, and more) from a vehicle or trailer, your personal auto policy will not cover a business loss. Commercial Auto Insurance is non-negotiable.
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