Commercial Auto
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Q: Are all autos covered under my policy?
A: Not without proper endorsements. Scheduled autos owned by your company are covered under your policy. However, non-owned autos that are used in your business may be a source of lawsuits against your firm if such autos are involved in accidents.

Q: How are autos I don't own covered?
A: Autos you don't own are divided into two categories. One is hired autos: these are vehicles your business leases, rents, hires or borrows. The second category is non-owned autos: these are vehicles, other than hired autos, which your business uses but does not own. (For example, an auto owned by an employee and used in your business.)

Q: What do auto underwriters look for in determining price?
A: They look for secure storage sites of vehicles, good driving records of employees, the age and safety of vehicles, Anti-theft and tracking devices to monitor owned vehicles, and the past experience of the company.