Owned Vehicles
Passenger vehicles, pickups, vans, box trucks, tractors and trailers create different liability and physical-damage considerations.
Commercial Auto Insurance for Manufacturers
Manage the Risk Wherever Company Business Takes the Driver
Build protection around owned vehicles, employee driving, rentals, customer visits, deliveries and work performed beyond the plant.
Manufacturing Fleet Risk
The Exposure Extends Beyond a Traditional Delivery Fleet
Manufacturing vehicles may deliver products, move people, visit customer sites or support sales, service and installation. Employees may also use personal vehicles or rentals for company business.
The program should reflect who drives, what they drive, where they travel and which business activities occur around the vehicle.
Commercial Auto Exposure Analysis
Where Vehicle Risk Develops
Employee Driving
Sales calls, errands, customer visits, airport travel and other routine trips may create company liability.
Hired Vehicles
Rentals and short-term vehicle use require clear authorization, insurance and incident-reporting procedures.
Loading & Unloading
Docks, liftgates, forklifts and customer locations can involve auto, general liability and workers’ compensation claims.
Service & Installation
Technicians and installers may transport people and equipment while working at unfamiliar customer locations.
Vehicle Maintenance
Inspection, repair and replacement practices influence roadworthiness, downtime and claim defensibility.
Fleet Safety and Accountability
Driver Selection Shapes the Loss Record
A written fleet program should apply to anyone driving on company business—not only employees assigned a company truck. Qualification, authorization, training, vehicle maintenance and incident response require consistent ownership.
Request a Fleet Risk ReviewHired and Non-Owned Auto
A Company Can Have Auto Liability Without Owning a Fleet
Employees may use personal vehicles for errands, customer visits or business travel. The company may rent vehicles or direct workers to use vehicles owned by others.
Hired and non-owned auto coverage can address certain company liability arising from those activities, subject to policy terms. Driver authorization, personal insurance requirements and rental procedures remain essential controls.
Commercial Auto Program Structure
Coverage Built Around Actual Vehicle Use
Auto Liability
Covered bodily injury and property-damage allegations arising from qualifying business vehicle use.
Physical Damage
Collision and specified non-collision damage to covered company-owned vehicles, subject to deductibles and terms.
Hired Auto
Certain company liability involving vehicles rented, leased or borrowed for business use.
Non-Owned Auto
Certain company liability involving employee-owned or other non-company vehicles used for business.
Uninsured & Underinsured Motorist
Protection governed by state requirements, selections and policy terms when another driver has insufficient insurance.
Umbrella & Excess Liability
Additional liability limits structured around fleet size, vehicle type, travel and underlying exposures.
Products and materials in transit require a separate cargo analysis. Explore Cargo & Stock Throughput Insurance
Alternative Risk and Commercial Auto
Fleet Performance Can Affect Alternative-Risk Readiness
Commercial auto commonly forms part of a manufacturer’s captive or loss-sensitive program. Driver controls, loss trends, vehicle use and claim severity can materially affect suitability and performance.
Explore Alternative RiskDemonstrate control
- Written fleet-safety program
- Consistent driver qualification
- Active claim review
- Documented vehicle maintenance
- Corrective action after losses
- Reliable exposure and mileage data
Common Questions
Manufacturing Commercial Auto FAQs
What commercial auto insurance should a manufacturer consider?
Depending on the operation, a manufacturer may need auto liability, physical damage, uninsured or underinsured motorist, hired and non-owned auto, medical payments or personal injury protection, towing and rental-related coverage, subject to state requirements and policy terms.
Does commercial auto insurance cover employees using personal vehicles for work?
Hired and non-owned auto coverage may address certain company liability claims involving employee-owned or rented vehicles used for business, subject to policy terms. It generally does not replace the vehicle owner’s personal insurance or cover physical damage to an employee’s vehicle.
Does a manufacturer need commercial auto insurance without a delivery fleet?
A manufacturer may still have auto exposure when employees drive personal or rented vehicles for errands, customer visits, sales, service or business travel. The actual vehicle use and applicable policy terms should be reviewed.
Is mobile equipment covered by commercial auto insurance?
Coverage depends on the equipment, how and where it is used, whether it travels on public roads and how each policy defines it. Commercial auto, general liability, property and inland marine coverage may address different portions of the exposure.
Put Every Business Driver in View
Review the Vehicles, Drivers and Controls Keeping Business in Motion
We’ll help identify coverage gaps and fleet practices that deserve closer attention.