Start with actual vehicle use
Service calls, deliveries, employee driving, tools and equipment, towing, jobsite visits, and crossing state lines can affect underwriting and coverage needs.
Know who is driving
A current driver list and motor vehicle records are important. Businesses should also consider hired and non owned vehicle exposure when employees use personal or rented vehicles for work.
Coordinate the broader program
Commercial auto should be reviewed alongside general liability, property, workers compensation, and any eligible commercial umbrella coverage.