Commercial Auto & Fleet
Covers vehicles your business owns, leases or uses, and the people who drive them.
What it covers
Liability for injury and damage caused by business vehicles
Physical damage to owned vehicles
Hired and non-owned auto exposure
Fleet programs with driver and telematics review
Who needs it
Businesses with company vehicles, or employees who drive for work.
How TriStone handles it
We review your current program, market it to the right carriers and walk you through the options: what it covers, why, and what it costs.
The coverage picture
Where Commercial Auto & Fleet fits in your program.
Liability tower
Sits over
Covered
Liability for injury and damage caused by business vehicles
Physical damage to owned vehicles
Hired and non-owned auto exposure
Fleet programs with driver and telematics review
Common add-ons
Hired and non-owned auto
Rental reimbursement
Towing and labor
Gap coverage on leased vehicles
Not covered here
Tools and cargo in the vehicle (see Inland Marine)
Employee injuries (see Workers' Comp)
Personal use outside policy terms
Limits above the policy (see Umbrella)
These summaries are general and for illustration only. Coverage, limits, exclusions and availability vary by carrier, policy form and state, and all coverage is subject to underwriting approval. The terms of your issued policy always govern.
Often paired with
Umbrella & Excess
Adds limits above your general liability, auto and employer's liability when a claim exceeds them.
Workers' Compensation
Pays medical costs and lost wages when employees are hurt on the job, and protects the business from related suits.
Inland Marine & Equipment
Covers equipment, tools and property that moves between locations or sits on a jobsite.
Review your Commercial Auto & Fleet program with the team.
Request a coverage review