| Business Auto Coverage provides coverage for loss against third party bodily injury or property damage caused by accident, and arising out of the ownership, maintenance, or use of motor vehicles. Depending on how the policy is written the liability coverage can apply to owned autos only; autos owned, leased or hired by the insured or all autos. The “all auto” designation is the recommended (provided the business is a corporation) coverage as it also includes exposure to autos owned by employees or partners and allegedly used on behalf of the insured. Other optional coverage’s include collision (for breakage or vandalism), medical payments and uninsured and under insured motorist’s coverage. Other endorsements available include Broad Form Drive Other Cars (where the business owners only vehicle is the company vehicle with no other personal auto coverage in place) and Hired Car Physical Damage to cover loss to rented cars for though the insurance company will pay for the damage to the rented vehicle the insured may still be responsible for rental charges while the vehicle is being repaired as well as a term “diminished value” which would apply at the time the rental car is solid and represents the differ4ence between what the vehicle would have sold for had there not been an accident. Garage Coverage covers liability associated with auto repair serve station or parking exposures for accidents occurring on the premises in the course of operations. For repair operations this coverage should be combined with Garage keepers insurance to cover automobiles in the care custody or control of the business. Dealers Blanket is a separate coverage with when added to garage liability policy insures the interest of a dealer in autos held for sale by the dealer.       |
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 Personal Lines Insurance |
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 Life Insurance |
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