Commercial Auto
The policy for vehicles used in the business. If you run mobile IV, do events, or staff travels between sites, personal auto will not respond to a claim that arises from business use.
The claim that actually happens
An accident on the way to a mobile event
The driver was insured personally. The trip was for business. Personal auto policies exclude business use, and the practice is exposed for the vehicle, the equipment in it and the liability. Mobile operators frequently run for years without this.
What it responds to
- Owned, hired and non-owned vehicles
- Business use of personally owned vehicles
- Equipment and stock in transit, where added
- Liability arising from business travel
- Employees driving on practice business
What people assume it covers, and it does not
- Personal use of a personal vehicle
- Cargo you carry for hire
- Wear and mechanical failure
Who usually does not have this
Every mobile and event operator, and any practice with staff traveling between locations. Available through our standard commercial markets.