In many cases, it does. Commercial auto insurance can cover personal use of a business vehicle by owners and employees.

If your vehicle is in an accident while being used for business, you may be responsible for damages and injuries. Because of this, you and your business should always carry enough insurance to protect your assets in case of an accident.

Commercial auto insurance could help protect you, the people who work for your business, and passengers. The policy usually includes coverage for vehicles used for business.

Yes, commercial auto insurance is required for business vehicles as personal auto policies exclude business use, leaving you unprotected during work-related driving. What makes commercial auto insurance different from personal policies is that it covers work vehicles. You may purchase hired and non-owned auto insurance when using personal vehicles for business tasks.

Using an independent insurance broker, like PremierFleet Insurance, instead of a captive agent who works for a single insurance company, can potentially lead to cost savings in several ways:

• Access to multiple insurance companies: We have relationships with numerous insurance providers and can compare policies and quotes from various companies. This is why we can shop for the most competitive rates and coverage that best suit our client's needs. 
• Negotiating power: Brokers can sometimes leverage their relationships with insurance companies to negotiate better terms or discounts on your behalf.
• Unbiased advice: Since we aren't beholden to a single company, we can offer objective recommendations based on your fleet's specific needs and budget. We can act as your insurance concierge, looking out for your fleet's best risk and financial interests.
• Risk assessment and tailored solutions: We can assist in accurately assessing your business's risks and matching your fleet with coverage that fills potential gaps in coverage. This can ultimately keep you from overpaying for coverage you don't need.
• Identifying potential discounts: Brokers are knowledgeable about the different discounts offered by various insurers and can help identify opportunities to lower your premium, such as safe driver discounts or multi-vehicle discounts.
• Ongoing support and claims advocacy: We act as your advocate throughout the claims process and can help ensure fair settlements. We can also help with policy reviews and adjustments as your fleet's needs evolve. 

We love helping fleets reduce risk while saving money, and we can do this in several ways:

1. Overpaying for your fleet's necessities is easy to do, and fleet telematics is no different. We can also provide low-cost, comprehensive fleet telematics equipment and software solutions that can reduce your bottom line. 
2. Once you're a PremierFleet Insurance client, we continue reevaluating and shopping periodically, to make sure you're always paying the least amount possible for the best coverage.
3. We help you get from point A to point B. If you're currently paying more for insurance because of speeding, etc., we have programs that can help turn your fleet around in as little as 120 days. After that, we'll shop to advocate for lower premiums for your fleet. 

With PremierFleet Insurance, you will always have an advocate that cares about your fleet's success!

Hired auto coverage protects rental vehicles used for business operations. Non-owned coverage applies to employee personal vehicles used for business tasks like client visits or supply runs.