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Business Automotive Insurance

business-automative-insuranceCommercial Automotive Insurance typical policy coverages are briefly explained.

Auto Liability

Covers against Bodily Injury and Property Damage for which the insured may become liable.

Medical Payments

Covers payment for injury to the insured and passengers in the insured automobile when a loss occurs.

Uninsured and Underinsured Motorist

Pays damages for Bodily Injury caused by drivers of uninsured vehicles, when such drivers are legally liable for injury to the insured and passengers.

Comprehensive Coverage

Provides coverage for your vehicle for damage other than collision.

Collision Coverage

Provides coverage for loss or damage above the deductible to an insured vehicle.

Specified Causes of Loss

Provides coverage for insured’s vehicle for damage resulting from fire, lightning, explosion, theft, windstorm hail, earthquake, flood mischief, vandalism, sinking, burning, collision or derailment while transported on a conveyance. (this coverage would be in place of Comprehensive)

Hired Auto Coverage

Covers liability only for insureds company while driving a leased, hired, rented, or borrowed vehicle.

Non-Owned Auto Coverage

Covers bodily injury and property damage for the insured company while employees use vehicles for your business use.

Non-Owned Physical Damage

Covers property damage to vehicles you rent or hire for your business.

On-Hook Liability

Covers customers’ cars while under the operation of tow truck type automobiles while towing vehicles and while transporting vehicles on the crane, dolly attached to such tow truck, or on the bed of an auto carrier type truck. Safety Chain warranty – towed vehicle must be chained to tow truck at all times.

Rental Car Coverage

Includes coverage to rent a vehicle in the event of a covered loss.


Covers cost to tow an insured vehicle.

Driver Other Car Coverage

Unlike your personal auto insurance policy, business auto insurance does not cover you when you drive vehicles not owned by the business or listed on the business auto insurance policy. Suppose you are a business owner, have your personal use vehicle insured on your business auto policy, and don’t have private auto insurance. In that case, you need to add DOC Broad Form coverage to your business auto policy. With DOC, you have limited insurance if you drive a vehicle not covered or listed on your business auto policy, such as a friend or relative’s vehicle.

Trailer Interchange Liability

Insurance coverage for truckers who often trade trailers under an agreement that makes them responsible for any damage to a trailer in their care or custody. It covers the insured’s liability for damage to a trailer not belonging to the insured.


If you transport chemicals, paints, or other solvents, your auto policy does not provide coverage for spilling these chemicals even in the event of an auto accident. Most policies will only pay pollution clean-up costs for chemicals and fluids used as part of the vehicle’s engine—oil, gas, transmission fluid, etc. If you were hauling a few cans of paint and were involved in an accident and the paint spilled into a waterway, there would be no coverage for contamination clean-up. You would need to buy a separate pollution policy to cover this exposure.

When buying a business auto insurance policy, check the auto symbols which define when and if vehicles are covered under your business auto policy. Here is a list of the Covered Auto Symbols.

  1. Any auto
  2. All owned autos
  3. Owned Private Passenger autos
  4. Owned autos other than PP
  5. All Owned Autos – No-Fault
  6. Owned Autos Subject to U.M.
  7. Autos Specified on Schedule
  8. Non-Owned Autos


Shorepoint Insurance Services
1120 Bristol Street
Costa Mesa, CA 92626
View on Google Maps
Office: 714-430-0035

Toll-Free: 800-350-5647
CA License: 0K07568

Peter Green Insurance Agent | California Business Owners Policy (BOP), Workers Compensation, Commercial Liability Insurance, Errors and Omissions Insurance, Directors and Officers Liability, Umbrella Coverage, Cyber Security Insurance, Group Medical Plans, and Employee Benefit Packages | Serving Costa Mesa, Irvine, Tustin, Santa Ana, Huntington Beach, Mission Viejo, Brea, Fullerton, Anaheim, Laguna Hills, Laguna Beach, Newport Beach, Riverside, Ontario, Long Beach, Whittier, Cerritos, Hacienda Heights, Torrance, Downey, Pomona, Redondo Beach, Los Angeles County, Southern California, and All California