Commercial Auto Insurance

Commercial Auto for Care Facilities

Many residential care facilities transport residents — to doctor's appointments, therapy, outings, and activities. The moment you carry residents in a facility vehicle, you take on significant auto liability, and personal auto policies exclude that business use. Commercial auto covers your vehicles, drivers, and the liability of transporting vulnerable passengers.

What's Covered

• Liability: At-fault accidents causing injury or property damage to others
• Collision: Damage to your own vehicle from an accident
• Comprehensive: Theft, fire, vandalism, and weather damage
• Hired & non-owned auto (HNOA): Employee personal vehicles and rented vehicles used for facility business
• Uninsured / underinsured motorist: Protection when the at-fault driver isn't insured

Transporting Vulnerable Residents

Carrying elderly and disabled residents raises the stakes of any accident. Underwriters look closely at driver screening, vehicle accessibility and lifts, passenger securement, and driving records. Strong protocols reduce both your risk and your premium.

Don't Rely on Personal Auto

If staff use their own vehicles to transport residents or run facility errands, hired & non-owned auto coverage is essential — a personal policy will not respond to a business-use claim, leaving the facility exposed.