Liability
Bodily injury and property damage caused by a business vehicle, typically written at a $1 million combined single limit.
Business lines
Commercial auto
Vehicles, trailers and hired or non-owned exposure for trades, delivery fleets and service businesses.
Sample: $186/mo per vehicle14 carriers shoppedNo agency fee
Overview
What commercial auto is really for
If a vehicle is titled to your business, used to haul tools or inventory, or driven by an employee on company time, a personal auto policy is the wrong instrument and may deny the claim outright.
We write single trucks for electricians in Independence and twenty-unit fleets running the metro daily. Either way the questions are the same: who drives, how far, carrying what.
What the policy includes
The coverages we build into every quote, plus the endorsements that matter in this metro.
Physical damage
Collision and comprehensive on owned vehicles, trailers and attached equipment.
Hired and non-owned auto
Covers rented vehicles and employees using their own cars for business errands. Frequently the biggest uninsured gap we find.
Medical payments and UM/UIM
Medical coverage for occupants and protection against uninsured at-fault drivers.
Tools and equipment
Inland marine coverage for what is in the truck, which commercial auto does not cover by itself.
Fleet safety credits
Telematics and driver-monitoring programs that reduce premium at several carriers.
How we place it
Four steps from your current policy to a better-fitting one.
- 1
Build the vehicle schedule
VINs, radius of operation, garaging address and cost new for each unit.
- 2
Run the drivers
MVRs on everyone who will drive. One undisclosed record can void a quote at binding.
- 3
Check the cargo
What you haul changes the class and sometimes the carrier entirely.
- 4
Set up certificates and filings
Additional insureds, waivers of subrogation and any state filings required for your operation.
Why clients choose us for this
- Hired and non-owned exposure identified before it becomes a denied claim
- Driver MVR review that prevents rate surprises at binding
- Tools and equipment coverage quoted in the same conversation
- Same-day certificates for general contractors and property managers
What moves the price
- Vehicle type and weight
- A cargo van, a one-ton with a service body and a box truck rate very differently.
- Radius of operation
- Local, intermediate or long haul is a major rating variable.
- Driver records
- Violations on any listed driver move the whole policy.
- Cargo carried
- Tools, product, hazardous materials and passengers each change the class code.
- Liability limit
- Most commercial contracts require $1 million combined single limit at minimum.
Often written alongside
Coverages that overlap with this one, or fill the gap it leaves.
All coverage
Business owners policyProperty, general liability and business income bundled for Kansas City shops, offices, studios and contractors.
Workers' compensationRequired coverage for Missouri and Kansas employers, placed with carriers that know your class codes.
Auto insuranceLiability, collision and uninsured motorist coverage written for how Missouri and Kansas drivers actually commute.Commercial auto questions
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
If it is used regularly for business, most personal auto carriers will exclude or limit the claim. We usually move it to commercial or add a business-use endorsement, depending on the carrier.
It covers vehicles you rent and employees' personal vehicles driven on company business. If an employee causes a serious crash while running a company errand, your business can be named in the suit.
Not by commercial auto. Tools in the vehicle need an inland marine or contractors equipment policy, which we quote alongside.
Send us the VIN and we can usually bind it the same business day and email proof immediately.
Get this quoted properly
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.