Work trucks, service vans, trailers and the crews that drive them — rated on who drives and where, not just what you own.
Springfield is the busiest driving environment we serve. Glenstone, Kansas Expressway, Sunshine and the James River Freeway all produce their share of commercial claims, and the I-44 corridor means a lot of local businesses run vehicles well beyond the city.
Radius of operation is one of the main rating factors, and it is also one of the most commonly stale items on a policy. Businesses carry a long-haul classification from a job they did three years ago, or a local one while crews now run to Branson and Joplin daily. Either way the policy should match what actually happens.
Owned vehicles — service vans, contractor trucks, trailers and dump trucks. Hired auto for rented and borrowed vehicles. Non-owned auto for employees using their own cars on company time, which is the gap most owners do not know they have.
Physical damage, uninsured motorist, rental and downtime coverage, and an umbrella above the auto limit where contracts require it.
Commercial auto is rated on who drives as much as what they drive. Pull motor vehicle records before hiring and annually afterwards, set written driver standards, and keep the list current — one poor record can move the price for the whole fleet.
Also tell us about personal and family use of company vehicles. It is usually insurable, but only if the carrier knows. More on drivers and company vehicles.
Auto physical damage covers the vehicle, not the tools, equipment or materials inside it. Those belong on inland marine. More on tools, trailers and cargo.
And one accident can trigger several policies at once — auto liability, physical damage, workers compensation and inland marine. How that splits up.
Most of our Springfield commercial clients operate in and around Nixa, Ozark, Republic, Battlefield, Willard, Strafford, Rogersville, Clever and Marshfield. Call 417.862.7788 or visit 2603 N Kansas Expressway, Monday to Friday 9 to 5.
More about the Springfield office · Business insurance in Springfield · The commercial auto checkupGenerally not. Personal policies limit or exclude business use, and a vehicle titled to the business or carrying tools and materials usually belongs on commercial auto.
If they drive for the business, yes — that is non-owned auto liability. Without it the business can be held responsible for an accident on company time.
Not by the auto policy. Tools and equipment need inland marine coverage.
Clean up the driver list, run MVRs, put driver standards in writing, review the vehicle schedule for units you no longer own, and check that your radius classification still matches reality.
Contracts commonly require a one million combined single limit, and many businesses carry that regardless because vehicle injury claims escalate quickly.
Vehicles, drivers, trailers and what the trucks carry.