Even if you have personal auto insurance, any vehicles involved in an accident while engaged in company business may not be covered by your personal auto policy. A commercial auto policy covers the exposures of using a vehicle for business use.

The commercial auto policy can be written as an individual policy or as part of a commercial package policy. The types of vehicles that may be insured under the commercial auto policy include trucks of all sizes, truck-tractor units, commercial trailers, rental cars, cabs, private passenger type vehicles, farm machinery, construction equipement, and special or mobile equipment.

Special coverages can be included which cover the use of "non-owned" vehicles, such as when employees use their own vehicles to run errands. If employees rent a vehicle while on company business, special coverage needs to be in place on the policy to ensure they are covered. Also, If an employee doesn't have a personal auto policy, special attention needs to be made to ensure they are covered under the business auto policy.

If you would like more information about a commercial auto policy for your farm or business, please contact us at 800-627-2241.