Commercial Auto & Fleet
Commercial auto is priced on drivers and radius far more than on vehicles, and the most commonly missing piece is hired and non-owned coverage for employees using their own cars on company business.
Scope
Almost every business has some auto exposure. Many have no commercial auto policy at all, because the vehicles belong to employees.
Detail
An employee drives their own car to the bank, the supply house, or a client, and causes an accident. Their personal policy may exclude business use; your general liability excludes autos. Hired and non-owned coverage is inexpensive and fills exactly that hole.
Motor vehicle records, years of experience, and driver age move commercial auto pricing far more than the vehicles themselves. A written driver-screening standard is both a risk control and a pricing argument.
Contractor tools and equipment are generally covered by inland marine, not by the auto physical damage coverage on the vehicle carrying them. It is a routine and expensive assumption.
Free, confidential, and no obligation — with a written summary either way.
Start a coverage reviewStart here
Tell us what you are insuring and where it stands. If there is a non-renewal notice or an escrow deadline, say so — those move to the front of the line.
Prefer to talk? Call or text (305) 990-2753 or email team@haymakersre.com
FAQ
You need hired and non-owned auto liability at minimum. Their personal policy may exclude business use, and your general liability policy excludes automobile liability entirely — so without it there is a genuine gap.
Commuting is generally fine; regular business use frequently is not, and delivery or transport for hire is almost always excluded. If driving is part of the job, it belongs on a commercial policy.
Once you reach a handful of vehicles, carriers rate the operation as a unit — drivers, radius, use, and loss history together — rather than pricing each vehicle. That usually helps, and it makes driver screening the main lever.
Related lines
Building, contents, and business income — written to the right valuation basis with a deductible structure you can absorb.
See coverage →Premises and operations liability for owners and tenants, plus professional liability where the work carries advice as well as labor.
See coverage →Ground-up and renovation coverage sized to hard cost and schedule, with soft costs and delay in completion where the loan requires it.
See coverage →NFIP and private flood for coastal, riverine, and post-fire debris-flow exposure — a peril standard property forms exclude entirely.
See coverage →Standalone earthquake and difference-in-conditions coverage — also excluded from every standard property form.
See coverage →Capacity above the primary tower — usually the cheapest limit you will ever buy relative to what it protects.
See coverage →