Commercial Auto for Elevator & Escalator Contractors
Your service fleet — vans loaded with tools and components, flatbeds carrying counterweights, specialty vehicles — needs commercial auto coverage. Personal auto policies exclude vehicles used for business purposes.
What's Covered
- Liability: Bodily injury and property damage when your vehicle causes an accident
- Collision: Damage to your vehicle from an accident
- Comprehensive: Theft, fire, weather damage to your vehicles
- Uninsured motorist: Protection when the other driver has no insurance
- Hired and non-owned auto: Covers rented vehicles and employee personal vehicles used for work
Specialty Equipment on Vehicles
Expensive elevator components in transit need to be covered separately under an inland marine/tools policy. Commercial auto covers the vehicle; inland marine covers the cargo.
Common Questions
Does my personal auto policy cover my work van?
No. Personal auto policies explicitly exclude vehicles used primarily for business. If you're in an accident while using a personal vehicle for work, the claim may be denied.
Do I need a separate policy for each vehicle?
Multiple vehicles are typically covered under a single commercial fleet policy. The premium adjusts based on the number of vehicles, their value, and driver history.