Comprehensive Protection
Comprehensive protection built for the way you run your business.
Covers bodily injury and property damage caused to others as a result of a vehicle accident. Required by law for commercial vehicles — does not pay for damage to the insured vehicle.
Protects the goods being transported in the event of damage, theft, or loss — including on-hook coverage for vehicles being towed.
Covers repair or replacement of the insured vehicle if damaged in an accident, fire, theft, or vandalism — typically collision and comprehensive.
Covers bodily injury and property damage that occur off the road, such as at a job site or loading dock — does not apply to vehicle accidents.
Covers damage to a trailer owned by another party but in your care, custody, or control — common when hauling non-owned trailers under interchange agreements.
Covers liability for vehicles you rent, lease short-term, or don't own but use for business — like a rental truck picked up during a breakdown or an employee's personal vehicle used on the job.
Covers owner-operators leased to a carrier when the truck is being used for personal reasons and is off-dispatch — steps in when the carrier's policy doesn't apply.
Covers medical expenses and lost wages for employees injured on the job — requirements vary by state and employment structure.
Usually relevant for tow truck operators or businesses storing customer vehicles on-site — covers damage while parked, stored, or waiting at your lot from fire, theft, vandalism, or collision.
