• Commercial Auto Medical Payments

    Policies written for commercial operations that include a vehicle exposure (Business Auto, Garage, Trucker, and Motor Carrier Coverage) are missing an important coverage: Auto Medical Payments. This coverage handles the reasonable expenses of necessary medical and funeral services suffered by persons (other than those listed as insureds) in an eligible loss. The coverage includes expenses from related sickness, disease and/or resulting death.

  • Drive Other Car Coverage

    Vehicles that are owned or supplied by a business, non-owned and rented cars represent a problem when they are insured under a basic business auto policy. Such policies either provide little or no coverage when a loss involves personal use or use by a person who is NOT the vehicle’s owner. Serious coverage gaps may exist, such as:

  • Bobtail and Deadhead Coverage

    Trucking operations face unique transportation risks presented by instances of bobtailing and deadheading. A tractor that is traveling on the road without a trailer is considered to be bobtailing.

    Example: Joe drops his trailer at Fran’s bakery and then heads to Doug’s Plumbing supplies to pick up a trailer. In between the two customers, he is bobtailing.

    Any time a tractor is pulling an empty trailer, it is considered deadheading.

  • Motor Truck Cargo Insurance

    A major activity of commercial trucking is transporting cargo. There are two parties with a huge interest in the cargo: the property's owner and the trucking company or independent trucker transporting that property. Usually it is the trucker's responsibility to arrange for insurance since that is the party having custody and control of both the vehicle and the goods being shipped. Motor Truck Cargo coverage responds to a substantial, combined exposure. Specifically, it protects against the liability similar to taking a house full of expensive contents on the road for a long trip.

  • Garagekeepers Coverage

    Business should pay close attention to their chance of suffering loss involving their use of vehicles. It's relatively easy to recognize loss created by cars and trucks that are owned and/or used in a business, such as sales representative cars or delivery vans. But there's another source of vehicular loss that is faced by many businesses: vehicles that are damaged after left in the custody of a business.