Commercial Auto Insurance
Commercial auto covers your work vehicles — the vans and trucks your technicians use to transport equipment, tools, and crews between job sites. Personal auto policies exclude business use.
Commercial Auto for Security & Surveillance Firms
Your techs are on the road every day — driving to installs, service calls, and site surveys with vans full of cameras, panels, wiring, and tools. Patrol services run marked vehicles around the clock. Commercial auto covers those vehicles and the liability that comes with them. A personal auto policy will not respond to a business-use accident.
What's Covered
- Liability: At-fault accidents causing injury or property damage to others
- Collision: Damage to your own vehicles in an accident
- Comprehensive: Theft, fire, vandalism, and weather damage
- Hired & non-owned auto (HNOA): Rented vehicles and employees using personal cars for work
- Uninsured/underinsured motorist: Protection when the at-fault driver lacks coverage
- Fleet coverage: Multiple vans, trucks, and patrol vehicles on one policy
Don't Forget the Equipment in the Van
Commercial auto covers the vehicle and your liability — but the cameras, recorders, and tools inside are typically covered by your installation floater or commercial property policy, not the auto policy. A van break-in is a common security-industry loss, so we make sure both the vehicle and its valuable contents are addressed.
Patrol & Guard Vehicles
If you run a guard or patrol operation, your vehicles carry additional exposure from high mileage and around-the-clock use. We place fleets with carriers that understand security operations and price the risk fairly.
What's Covered
Frequently Asked Questions
Yes. Using a vehicle for business — hauling equipment, driving to job sites — is business use that personal auto excludes. You need commercial auto, and if employees drive their own cars, hired & non-owned auto coverage.
Generally no. Auto covers the vehicle and liability; the cameras, tools, and equipment inside are covered by your installation floater or commercial property policy. We arrange both so a van break-in is fully covered.