Vehicles used to conduct a service, transport goods, haul tools and equipment, or are owned by a corporation or partnership require a separate commercial insurance policy to protect against liability, collision, personal injury, etc. (Many business owners are surprised to learn that certain vehicle types and those used for various business purposes are NOT covered under their personal automobile insurance.)

1. Artisan Contractors
2. Service & Repair Operations
3. Delivery & Distributors

• Liability up to $1 million combined single limits

• State-specific mandatory coverages: personal injury protection/no fault; uninsured/underinsured motorists (where applicable)

• Physical damage for commercial vehicles up to $250,000; private passenger vehicles (used for commercial purposes) up to $75,000

• Towing coverage for vehicles less than 10,000 lbs.

• Automatic physical damage coverage for newly acquired vehicles

• Additional insured when required by contract endorsement

• Business Auto Broad Form Endorsement extends coverage and limits

• Policies on a Symbol 7 basis; Symbol 8 and 9 also offered

States Available

California

Downloads

Guard Commercial Auto Coverage