What You Get
Commercial Auto Coverage Options
Synestia Insurance helps businesses understand commercial auto coverage options clearly, so they can protect company vehicles, employees, operations, and financial stability.
01
Any Auto Liability Coverage
Any Auto provides liability coverage for any auto owned, hired, rented, borrowed, leased, or used for the insured’s business.
Coverage must usually be written with Bodily Injury and Property Damage liability coverage. Coverage limits must match the Bodily Injury and Property Damage liability limits.
Acceptability may be limited to specific business types, the annual cost of hired vehicles, policy term, tenure, and the number of employees at the insured’s business. Carrier audit rights may apply depending on the policy.
02
Any Auto
Any Auto liability can apply when, at the time of an accident, the insured was driving an auto owned by the business or firm.
Any Auto may include autos owned by a named insured. If the driver is an insured and the vehicle involved in the accident is a covered auto, the claim may be covered subject to the policy terms.
03
Hired Auto
Hired Auto coverage can help fill the gap in personal auto liability insurance for work-related driving, since personal policies may exclude business driving activity.
It can also help replace the liability coverage you may need for a rental vehicle. Hired Auto coverage can address your company’s liability, but it may not provide liability protection for the individual driver.
The person behind the wheel may still be personally liable for third-party injuries or property damage depending on the situation and policy terms.
04
Hired Auto Liability Coverage
Hired Auto provides liability coverage for hired, rented, leased, or borrowed vehicles that are occasionally used for the insured’s business.
Coverage must usually be written with Bodily Injury and Property Damage liability. Coverage limits must match the selected liability limits.
Acceptability may be limited to certain business types and by the annual cost of hired, rented, leased, or borrowed vehicles. Carrier audit rights may apply.
05
Non-Owned Auto Coverage
Non-owned auto coverage can help pay for legal expenses if your business is sued over a car accident caused by you or your employees while using a personal vehicle for business errands.
Like Hired Auto, this coverage is designed to protect the company’s liability and help fill the gap where personal auto liability coverage may not apply to business driving.
The driver can still be personally liable for damages or injuries caused, depending on the claim and policy details.
06
Scheduled Auto
Scheduled auto coverage allows each vehicle used in your business to be separately listed on the policy with its corresponding coverage.
This means you can choose different coverages for different business vehicles based on each vehicle’s use, value, characteristics, and protection needs.
