If your work vehicle is damaged in an accident, your policy may cover repairs or replacement depending on the coverage you have in place.

You may also have access to rental or replacement vehicle coverage to help keep your business moving while your vehicle is being repaired.

Munn can help you plan for that risk before an accident happens and make sure your coverage helps keep your business moving.

Not necessarily with the same level of coverage, but you shouldn’t cancel or reduce coverage without speaking to your broker first.

Even while a vehicle is off the road, you may still want protection against risks such as theft, fire or other damage.

Munn can review your seasonal vehicle use and help determine what coverage makes sense throughout the year.

It depends on what you are hauling and the coverage you have in place.

Your Commercial Auto policy may cover the vehicle itself, but goods, materials or customer property you are transporting may not automatically be covered if they are damaged, lost or stolen.

Businesses that regularly transport goods for their customers or others may need additional coverage.

Tell Munn what you haul and where you take it, and we can help make sure the right protection is in place.

It depends on how you use your truck.

Driving to and from work is different from regularly using it for deliveries, carrying tools or materials, visiting customers or travelling between job sites.

The more the vehicle is used as part of the business, the more important it is to make sure your personal auto insurer knows about that use.

Depending on the type and frequency of business use, your personal auto policy may need to be adjusted or Commercial Auto coverage may be more appropriate.

Tell Munn how you use your truck and we can help determine whether your current coverage is appropriate.

You should contact your broker whenever you add, remove or replace a vehicle or when there is a meaningful change in who regularly drives your company vehicles.

You should also let your broker know if the way a vehicle is used changes.

Keeping Munn up to date helps make sure your policy continues to reflect the way your business actually operates and that you have the right coverage in place as things change.

It is a good idea to review your Commercial Auto Insurance at least once a year, particularly before renewal.

You should also review it whenever your business changes such as adding vehicles or drivers, changing how vehicles are used or expanding your operations.

Munn can provide a no-obligation review of your current Commercial Auto coverage and help you compare your options.

Yes. Businesses with multiple vehicles can often insure them together under a Commercial Auto or fleet policy.

The best structure depends on the number and types of vehicles, who drives them and how they are used.

From a few vehicles to a larger fleet, Munn can help structure coverage that fits your business.

It can, but trailers and the equipment or materials being towed may require additional or separately listed coverage.

The right coverage depends on the trailer, what you are carrying and how it is used in your business.

Let Munn know what you tow and we can help make sure it is properly included in your insurance program.

Not necessarily. Commercial Auto Insurance primarily protects the vehicle itself, so tools, equipment and materials carried inside may require separate business property or equipment coverage.

This can be particularly important for contractors and trades businesses carrying expensive tools from job to job.

Tell Munn what you carry in your vehicles and we can help make sure both the vehicle and the equipment your business depends on are properly protected.

Not necessarily. Insurance companies may need information about employees who regularly drive company vehicles, including their licence status, driving experience and driving record.

The employees who are driving the vehicle can affect both eligibility and premium, so it is important to keep your insurer up to date when drivers change.

Before adding a new driver, Munn can help make sure your policy is set up properly and that the right people are covered.

Commercial Auto Insurance isn’t just for businesses with fleets. A single car, pickup, van, or truck used for business purposes may require Commercial Auto coverage depending on how it is used.

Things like carrying tools or materials, making deliveries or travelling between job sites can affect the type of coverage required.

Whether you have one work vehicle or a whole fleet, Munn can help make sure you have the right coverage for your business.

If employees use their personal vehicles for deliveries, client visits, errands or other business activities, there are additional insurance considerations for both the employee and the business.

An employee may be able to use a personally insured vehicle for some business purposes, but their insurer needs to know how it is being used. Depending on the type and frequency of business use, their personal policy may need to be adjusted, or different coverage may be required.

There may also be additional liability considerations for the business when employees are using their own vehicles for business purposes. Your business may need non-owned automobile coverage to help protect against liability arising from vehicles it does not own. This coverage can help protect an organization if it is sued because an employee or volunteer causes an accident while driving their own vehicle on behalf of the organization.

Munn can review how your employees use their vehicles and help identify any gaps that may need to be addressed.

Commercial Auto Insurance can provide protection for liability, damage to your vehicles and injuries arising from an accident. Depending on the policy, optional coverage may also be available for collision, theft, vandalism, fire and other types of damage. Some of the coverage available include:

• Third-Party Liability (mandatory): Covers injury, death, or property damage caused to others if you are at fault in an accident.
• Accident Benefits (mandatory): Covers medical, rehabilitation, and income replacement costs for you, your employees, and passengers injured in an accident, regardless of fault.
• Uninsured Automobile (mandatory): Covers vehicle damage and injury caused by an uninsured driver or an unknown hit-and-run driver.
• Direct Compensation Property Damage (DCPD) (Mandatory): Covers damage to your insured vehicle when another identified driver is at fault.
• Collision Coverage (optional): Covers repair or replacement of your vehicle following a collision with another vehicle or a stationary object, regardless of fault.
• Comprehensive Coverage (optional): Covers non-collision damage including theft, vandalism, fire, hailstorms, flooding, and other weather-related events.
• All Perils Coverage (optional): The broadest protection available — combines collision and comprehensive coverage and includes theft of the vehicle by an employee or household member

The right combination of coverage depends on your vehicles and how your business uses them.

Munn can explain your options and help make sure your Commercial Auto coverage reflects the risks your business actually faces.

The cost of Commercial Auto Insurance depends on factors such as the vehicles you insure, how they are used, who drives them, where they operate, your claims history and the coverage and deductibles you choose.

Because every business is different, there isn’t one standard price.

Munn can compare options from multiple insurance companies to help you find the right coverage at a competitive rate.

Commercial Auto Insurance is specialized insurance designed to protect vehicles used for business purposes. It can provide coverage for financial losses, liability and physical damage involving cars, trucks, vans and other vehicles used in the operation of a business.

Commercial Auto Insurance can cover a single business vehicle or multiple vehicles under a fleet policy. The coverage you need depends on the vehicles, how they are used, who drives them and the nature of your business.

Whether you have one work vehicle or a whole fleet, Munn can help you understand your options and find coverage that fits the way your business operates.