COMMERCIAL AUTO INSURANCE
Business on the Move, Protection That Moves With You
Protect the vehicles that keep your business moving. Commercial Auto Insurance can be structured for business-owned vehicles, along with hired and non-owned auto exposures arising from vehicles used in business operations.
Coverage for Business Vehicles*
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Why Choose Our Commercial Auto Insurance Solutions?
Coverage for Business-Owned Vehicles
Protect the cars, vans, trucks, and other eligible vehicles your company owns and uses for business operations with appropriately structured Commercial Auto Insurance.
Hired & Non-Owned Auto Protection
Address liability exposures involving rented, leased, borrowed, or employee-owned vehicles used for business purposes with Hired and Non-Owned Auto (HNOA) coverage.
Coverage Built Around Your Operations
Whether you operate one work vehicle or manage multiple business vehicles, ISOM helps evaluate drivers, vehicle use, operations, and exposures to structure suitable business auto coverage.
Support as Your Business Grows
Adding vehicles, drivers, locations, or new operations can change your auto exposures. ISOM helps review and adjust your Commercial Vehicle Insurance as your business evolves.
COMMERCIAL AUTO INSURANCE
Protection for Every Mile Your Business Travels
Coverage designed around the vehicles that keep your business moving.
For Business-Owned Vehicles
Businesses that own cars, vans, trucks, or other vehicles for daily operations need appropriate Commercial Auto Insurance. Coverage can be structured to address liability and physical damage exposures based on vehicle type, usage, drivers, and business operations.
Hired Auto Coverage
When your business rents, leases, or borrows vehicles for work-related purposes, Hired Auto Insurance can help address applicable liability exposures. This can be important for businesses that occasionally rent vehicles for deliveries, meetings, projects, or other operations.
Non-Owned Auto Coverage
Employees may sometimes use their personal vehicles for deliveries, client visits, errands, or other business activities. Non-Owned Auto Insurance can help address certain liability exposures arising from business use of vehicles your company does not own.
Commercial Fleets
From a few company vehicles to larger fleets, coverage can be structured around your drivers, vehicle types, routes, and operations. ISOM helps businesses evaluate their Commercial Fleet Insurance needs as their operations evolve.
COMMERCIAL AUTO COVERAGE
Protection for the Vehicles Behind Your Business
Owned, hired, and non-owned vehicle exposures—all considered.
Commercial Auto Liability
Business vehicles create liability exposures every time they are on the road. Commercial Auto Liability Insurance can help address covered bodily injury and property damage claims arising from accidents involving insured business vehicles, subject to policy terms and limits.
Physical Damage Coverage
Your company vehicles are valuable business assets. Collision and comprehensive coverage can help protect covered vehicles against qualifying physical damage losses, including collision and certain non-collision events, depending on the selected coverage.
Hired & Non-Owned Auto
Not every vehicle used for business belongs to your company. Hired and Non-Owned Auto Insurance (HNOA) can help address certain liability exposures involving rented, leased, borrowed, or employee-owned vehicles used for business purposes.
How Commercial Auto Insurance Works
Commercial Auto Insurance helps protect vehicles used throughout your business operations.
Here’s how ISOM helps structure coverage around your vehicles and driving exposures:
Review Your Business Operations
We review your business activities, vehicle types, drivers, locations, and how vehicles are used during day-to-day operations.
Identify Vehicle Exposures
Potential exposures involving owned, hired, and non-owned vehicles, employee drivers, work travel, and commercial vehicle use are evaluated.
Determine Coverage Needs
We assess applicable Commercial Auto Insurance needs based on your vehicles, operations, liability exposures, and business requirements.
Review Available Coverage
Suitable options for auto liability, physical damage, hired and non-owned auto, and other applicable protections are reviewed with your business.
Put Coverage in Place
Once coverage is selected, we help complete the required documentation and coordinate placement of your Business Auto Policy.
Support Your Business
As you add vehicles, drivers, locations, or operations, ISOM provides ongoing support to help keep your commercial auto coverage aligned.
Keep Your Business Moving—With the Right Protection
Every business trip creates exposure on the road. Whether your company owns vehicles, rents them for occasional use, or has employees drive personal vehicles for work, the right Commercial Auto Insurance can help address applicable business driving risks.
Coverage can be structured around company cars, work vans, commercial fleets, hired vehicles, and non-owned vehicle exposures based on your operations.
ISOM helps review those details and structure commercial vehicle insurance around how your business actually uses vehicles.
Protect your business wherever the road takes it.
Benefits of Our Commercial Auto Insurance
Coverage for Owned Vehicles
Hired & Non-Owned Auto Protection
Coverage That Grows With Your Business
Commercial Auto Insurance That Keeps Your Business Moving
Whether you operate one work vehicle or manage a growing fleet, ISOM helps structure Commercial Auto Insurance around your drivers, vehicles, and day-to-day business operations. We can also address hired and non-owned auto exposures when applicable.
