Commercial Auto Insurance
Commercial auto covers the vehicles your manufacturing business owns and operates — delivery trucks, vans, and trailers used to receive raw materials and ship finished products. Personal auto excludes this business use.
Commercial Auto for Manufacturers
Manufacturers move things — inbound raw materials and outbound finished products. If your business owns delivery trucks, box vans, flatbeds, or trailers, you need commercial auto coverage. Personal auto policies exclude business use and won't respond to a loss involving a company vehicle.
What's Covered
- Liability: At-fault accidents causing injury or property damage
- Collision: Damage to your owned vehicles from a crash
- Comprehensive: Theft, fire, and weather damage to your fleet
- Hired & non-owned auto (HNOA): Rented vehicles and employee vehicles used for business errands
- Trailers: Equipment used to haul materials and products
Cargo Consideration
Commercial auto covers the *vehicle* and its liability — not necessarily the *value of the products in transit*. If you ship significant finished-goods value on your own trucks, we coordinate motor truck cargo / inland marine coverage so a loss in transit is covered, not just the truck.
Fleet Safety Matters
Underwriters look closely at driver records, vehicle maintenance, and safety programs. A clean fleet program improves both safety outcomes and pricing — especially as your delivery footprint grows.
How It Fits Your Program
Commercial auto handles your on-road exposure; it sits alongside property (the plant and machinery), product liability (the goods), and workers comp (your people) to round out a manufacturer's coverage.
What's Covered
Frequently Asked Questions
Yes. Business use of any vehicle — including employee-owned cars for deliveries or errands — needs commercial auto, typically with hired & non-owned auto (HNOA) coverage. Personal policies exclude business use and can leave you exposed.
Commercial auto covers the vehicle and its liability; the value of products in transit is best protected by motor truck cargo or inland marine coverage. We coordinate both so a loss in transit is fully covered.