Owned or leased
List the vehicles and drivers in the business.
Commercial auto insurance is built around the vehicles your business owns or uses for work. Pelorus helps you arrange commercial auto coverage that matches your vehicles, drivers and how you use them.
Your operations, considered together.Follow the use
Whose vehicle? Whose exposure?
Ownership and how the vehicle is used help determine the coverage to review.
Rented for work
Review hired-auto liability and physical damage needs.
Employee-owned
Consider the business’s liability when staff drive their own cars.
Pair vehicle coverage with cargo and equipment policies for the goods and tools you carry.
Under the policy
What the coverage can include.
- 01Liability for injuries and damage your vehicles cause
- 02Damage to your vehicles from collision, theft, fire or weather
- 03Injuries caused by uninsured or underinsured drivers
- 04Hired and non-owned autos, often available to add
Who it’s for
How it connects to the work you do.
Contractors and trades
Pickups, vans and trailers carry crews and equipment between job sites every day.
Commercial truckers
Tractors and trailers need auto liability that meets regulatory and shipper requirements, often alongside physical damage and cargo coverage.
Wholesale distributors
Delivery trucks and sales vehicles are on the road daily, often driven by several employees.
Auto service operations
Tow trucks and shuttles run all day, and loaner cars are driven by customers, not staff.
Golf and country clubs
Member shuttles, club vans and maintenance trucks drive on public roads, not just the course.
Explore the industry perspectiveBefore we talk
The questions behind the policy.
Are employees' own cars covered when they drive for work?
Hired and non-owned auto coverage addresses your business's liability when employees use their own or rented vehicles for work. We review how it fits with the drivers' personal policies and your vehicle program.
What affects the cost of commercial auto?
Mainly the vehicles, how far and where they're driven, who drives them and your claims history. Clean driving records can help, and removing vehicles you no longer use stops you paying for them.
Your next step
Make it fit the business you run.
Bring us the question. We’ll help you understand the exposure and the options available.
Prefer email? Contact our teamUseful for a first conversation
- Your current policies or contract terms
- The locations, dates or assets involved
- What has changed since your last review
You don’t need everything ready to get in touch.