Auto liability
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Business Insurance
Commercial Auto Insurance
Connect vehicle ownership, drivers, radius, cargo, hired/non-owned use and liability limits to how the fleet actually operates.
Coverage mechanics
What the policy decision actually controls.
Physical damage
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Hired and non-owned auto
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
UM/UIM where applicable
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Cargo or equipment
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Driver and fleet controls
Verify the limit, deductible, definition, exclusions and endorsements that control this part of the risk.
Ask the hard questions
Before you compare price, answer these.
- Who owns each vehicle and who drives it?
- Are employees using personal vehicles for business?
- What is the operating radius and vehicle class?
- Do contracts require higher limits or additional insured status?
- Would one severe fleet loss exceed the primary auto limit?
Pull the documents
Prepare the evidence.
- Vehicle schedule with VINs
- Driver list and MVR information
- Garaging locations
- Radius and use
- Loss runs
- Contracts and current auto policy
Read the current policy
Do not assume the coverage name answers the question.
Start with the declarations page, then trace the coverage form, definitions, exclusions and endorsements. Compare the final policy—not just the quote—to the exposure you are trying to protect.
Use the Sokar policy-reading guide →Ask Sokar P&C Guide
Start with your insurance question.
Get a focused answer, identify the relevant coverage and tell us when you want a Sokar representative to follow up.
Sokar Guide
On this page we are reviewing Commercial Auto Insurance. What would you like to understand?
On this page we are reviewing Commercial Auto Insurance. What would you like to understand?
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Direct connection
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Reach a licensed Sokar representative by phone or email.
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Coverage is subject to eligibility, underwriting, policy terms, exclusions and carrier availability. Submitting a form does not bind, change or confirm coverage.