Describe the actual work
Deliveries, service visits, transporting goods or carrying passengers can present different risks. Be specific about the work and operating area.
COMMERCIAL AUTO
Put business use on the table.
How a vehicle earns its keep matters. Describe your operations so a provider can assess the appropriate coverage.
Identify the vehicles and drivers
Discuss ownership, vehicle types, authorised drivers and any hired or non-owned vehicle exposure. Do not assume one arrangement covers every vehicle.
Review liability and damage coverage
Consider required liability limits and whether physical damage protection is appropriate. Ask which deductibles and restrictions apply.
Check contract requirements
Bring any insurance requirements from customers or business partners. The responsible provider should confirm whether the proposed policy meets those requirements.
Coverage descriptions are general. Actual terms, exclusions, eligibility and limits are set out in the issuing insurer’s policy documents. A conversation does not bind coverage.
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