🚐 Who Needs Commercial Auto Coverage?

• Contractors & tradespeople

• Delivery drivers & couriers

• Real estate agents & property managers

• Landscapers & service professionals

• Fleet operators

• Businesses with employee drivers

• Anyone using a vehicle primarily for business purposes

​

​

🔒 What’s Covered?

• Liability – Covers injuries and property damage caused by your business vehicle

• Physical Damage – Collision and comprehensive coverage for your vehicles

• Medical Payments – Covers injuries to your driver and passengers

• Uninsured/Underinsured Motorist – Protection if you’re hit by someone without adequate coverage

• Hired & Non-Owned Auto – Covers vehicles you rent or employees use for business

• Loading & Unloading – Optional coverage for goods in transit

• Trailer Interchange – For businesses using non-owned trailers

• Towing & Rental Reimbursement – To keep you moving even after an accident

​

​

💡 Why AEC?

• Access to multiple commercial markets (including Travelers, a top-tier commercial auto provider)

• Clear breakdown of what coverage your business actually needs

• Guidance on business classification and rating to keep premiums accurate

• Help with vehicle scheduling, certificates of insurance, and compliance

​

​

💸 Discount Strategies

Depending on the carrier, you may qualify for:

• Fleet discounts

• Telematics programs (monitor driving behavior)

• Bundled business policies (auto + general liability + workers comp)

• Safety program credits

• Prior insurance and clean driving records

​

​

🙋 Frequently Asked Questions

Do I need commercial auto if I use my personal vehicle for work?
Yes—most personal policies won’t cover business use. If you’re delivering, transporting clients, or using the vehicle for income-generating activity, you’ll need a commercial policy.

Can I insure multiple vehicles and drivers?
Absolutely. We can help you schedule each vehicle and authorized driver, whether you have two trucks or a full fleet.

Is my trailer or equipment covered?
Not automatically. We’ll walk you through what’s included and what needs to be added—like tools, trailers, or equipment transported in your vehicle.

Do you offer certificates of insurance?
Yes! We issue COIs quickly and accurately, helping you stay compliant and contract-ready.

​

​

📞 Let’s Put Your Business in Drive

AEC helps business owners secure reliable commercial auto coverage that’s tailored, compliant, and budget-aware. We’ll help you compare carriers and find the right fit—without the runaround.

Call: 805-328-5001
Email: info@aecriskmanagement.com