As the owner of a business, you have your own unique set of operational and protection requirements. If you own and operate vehicles as part of your business, commercial auto insurance offers the coverage you need. 

Even if you don’t own business vehicles, there’s risk involved when employees use their own vehicles for business purposes, which can be protected against with Hired and Non-Owned coverage. Scroll below for an idea of the coverage options we offer at BearStar.

Coverage Options

  • Bodily Injury & Property Damage Liability up to $2M
  • Uninsured/Underinsured Motorist
  • Collision Damage
  • Comprehensive Damage

Additional Coverage Options

  • Towing & Labor
  • Auto Loss of Use
  • Lease/Loan
  • Drive Other Car
  • Fellow Employee

Coverage for Contractors

  • Blanket Waiver of Subrogation
  • Blanket Additional Insured
  • Primary & Non-Contributory Coverage
  • Pollution Liability - Broadened Coverage for Covered Autos
  • Contractors’ Tools & Equipment Coverage

The Right Choice

Whether you drive a sedan, van, pick-up, or SUV, BearStar has the coverages you need to protect your commercial vehicles:

  • Business Auto Insurance
  • Pickup Truck Insurance
  • Van Insurance
  • Truck Insurance
  • Tow Truck Insurance
  • Dump Truck Insurance
  • Landscaping Insurance
  • Construction Insurance
  • Mobile Food Vendors (Food Trucks)

Hired & Non-Owned Coverage

Even if you don’t have any business-owned vehicles, you could still have a need for Hired and Non-Owned Auto Coverage. Hired Auto coverage can be added onto your BOP policy for vehicles that are leased, hired, rented, or borrowed. 

As for Non-Owned Auto coverage, this applies to the vehicles not owned, hired, leased, rented, or borrowed by your business. These can be vehicles owned by your employees, or members of their household, though only when used for business purposes. If your employees use their own vehicles for work, Non-Owned coverage is a necessity.

BearStar Insurance:

Your Partner for Hired, Non-Owned, & Contractor Coverage

 

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They have always been responsive to our needs, whether it's adding a driver to our auto insurance, finding discounts to help us keep our premiums reasonable, bundling our auto and homeowner's, etc. They returns calls and emails quickly and knows their stuff. When we bought an RV on a holiday weekend we were able to get them on the phone and arrange for the required insurance before we drove off the dealer's lot. Excellent customer service!
Natalie T.
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