Commercial Auto

Leverage Real-Time Risk Management™ for discounts up to 15%*

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Data-Driven Pricing Built for Contractor’s Business Auto

It’s important to know how your drivers use their commercial autos - but who has the time?

Leif works with you to define risk tolerance and automate a Real-Time Risk Management™ program that only alters you when reckless activity occurs.

Protect your time, safeguard your business and qualify for Leif’s proprietary discount up to 15%* for connecting your assets.

Real time risk management image showing the intersection of Telematics, Jobsite and Insurance.

Protection Down The Road

We’re here to help you navigate commercial auto insurance. Drivers who are distracted, aggressive, impaired, reckless or speeding are more likely to have an accident. These behaviors increase risk for you, your employees and your vehicles.

Leif’s Real-Time Risk Management™ promotes safety on the road and helps keep your business driving forward.

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Commercial Auto FAQs

How does Real-Time Risk Management™ save me money on my Commercial Auto insurance?

With auto insurance rates on the rise, taking extra accident prevention measures and promoting safer driving will directly affect your auto insurance rates. Real-Time Risk Management™ gives you smarter tools to track reckless driving patterns and identify training opportunities with driver scorecards.  It also gives you stronger data to help defend not-at-fault claims. Proactive accident and driver safety management warrants lower auto insurance rates with your insurance carrier, and unlocks deeper savings with Leif’s exclusive data-driven discounts up to 15%.

What types of vehicles are eligible for commercial auto coverage?

Commercial auto covers any vehicles that are designed for use on public roads. Cars, trucks, trailers, vans, and other vehicles can be covered by a commercial auto policy. You also have options for your scope of coverage, ranging from covering only autos your business owners, to covering all autos used for business - even though your business doesn’t own, hire, or lease. Commercial auto generally does not cover mobile equipment like a backhoe. These are covered by your equipment insurance policy.

How does commercial auto insurance differ from personal auto insurance?

The difference between commercial auto and personal auto insurance comes down to a vehicle’s use, not its ownership. Commercial auto insurance covers autos used for business purposes, whether they’re owned by the business or an individual. Personal auto insurance covers autos used for personal purposes. If you use your personal vehicle for business purposes, you must have commercial auto coverage.

How does commercial auto insurance cover my business in the event of an accident?

In the event of an accident, your commercial auto insurance policy may cover:

  • Liability for bodily injury and property damage caused by your vehicle - often with a combined single limit for both
  • Medical and personal injury protection (PIP) for injuries to the driver and passengers of the insured vehicle
  • Collision coverage pays for damage to the insured vehicle caused by a collision
  • Comprehensive coverage also pays for damage caused by incidents like flood, fire, and theft
  • Uninsured motorist coverage pays for injuries and sometimes vehicle damage if you’re hit by an uninsured driver

Your insurance agent can help make sure your commercial auto policy has the coverage you need.