This policy is designed for automobiles owned by and used by businesses (sole proprietors, partnerships, corporations, etc.) This coverage protects the business entity and employees for bodily injury and property damage liability for which they may be legally liable. Other coverage which can be provided includes the following:
- Medical payments
- Uninsured motorists
- Comprehensive collision
- Rental reimbusement
- Non-owned autos used for business
- Hired autos, rented for short periods of time.
No coverage is provided for any cargo which you are hauling. Premiums are usually based on the types of vehicles, usage, value, limits of coverage, and the driving records of all regular operators.