Business & Commercial Insurance - Business Auto
If your business owns one or multiple vehicles, you'll need commercial automobile insurance. Also called fleet insurance, this type of insurance functions almost identically to personal auto insurance, with liability and damage coverage for injury, damage, or theft.
Even if your business doesn't own any vehicles, you'll probably want non-owned and hired auto liability coverage. This type of coverage provides protection against claims that arise when an employee gets in an accident when driving a personal or rental car while on company business. Although the employee's auto insurance is usually the primary source of coverage for a claim, an injured party can come after your company if their claim exhausts the driver's insurance. With rental cars these days, you can even be on the hook for the whole amount as personal insurance carriers have reportedly rejected claims for cars that were rented for business use.