Commercial Auto Insurance

Commercial auto insurance covers liability and physical damage when your vehicles or drivers are involved in an accident during business operations. This includes owned fleet vehicles, as well as hired and non-owned exposures, meaning employees using personal vehicles employees using personal vehicles or rental cars on company business are a coverage gap if they’re not specifically addressed in your policy. Any business with drivers on the road carries auto liability exposure that can easily exceed standard personal limits.

When our team reviews a commercial auto program, we look at how your MVR screening process integrates with your coverage, whether your hired and non-owned limits are appropriate, and how your policy handles cargo or special equipment in transit. We also evaluate whether an umbrella or excess layer is adequate given your fleet size and driver activity. Request a program review and let’s make sure every vehicle and driver in your operation is properly covered.

ZRM can help you access the nation’s leading insurance carriers within the transportation industry and advise you while securing commercial auto and fleet insurance for:

• Long- and short-haul transportation
• Hired and non-owned exposures
• Uninsured/underinsured motorists
• Medical payments
• Towing coverage

Together we will create a commercial auto insurance policy designed for your unique risk exposures:

• Property damage
• Bodily injury
• Physical damage caused by fire, hail and other risks