Commercial Auto

All businesses have a need for automobile coverage, whether for hired and non-owned autos or a fleet of business vehicles you own. Coverage for your commercial automobiles can be included in your package policy. You can purchase protection for a wide range of vehicle types, including specialized vehicles unique to your operations.

Steele Insurance Associates also features endorsements to tailor your policy. The Business Auto XC® Endorsement is one of our most popular endorsements, adding a bundle of auto coverages for one premium. With this endorsement you’ll appreciate:

  • physical damage (up to $35,000) and loss of use (up to $1,000) for hired private passenger autos and light duty trucks
  • car rental fees (up to $40 per day for up to 30 days) when covered private passenger autos cannot be used because of an insured loss
  • repair or replacement of airbags that accidentally discharge due to a mechanical or electrical breakdown (applies to autos covered for comprehensive physical damage)
  • loan or lease gap coverage on a covered private passenger auto declared a total loss after a covered claim
  • waiver of the deductible on auto glass, damaged by a covered loss, when repaired rather than replaced
  • coverage for a newly formed or acquired organization (coverage provided for up to 180 days after the date of formation or acquisition)
  • insurance for your employees for liability when conducting business and driving a covered auto that you do not own, hire or borrow
  • increased amounts of insurance on supplementary payments for bail bonds, associated expenses and lost earnings
  • increased amounts of insurance on transportation expenses if your private passenger auto is stolen
  • coverage if you unintentionally fail to disclose hazards
  • coverage for hired private passenger autos worldwide, when suit for bodily injury or property damage is brought in the United States
  • an expanded definition of bodily injury that now includes mental anguish