Commercial Auto

Commercial Auto & Hired and Non-Owned Auto

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Wisconsin law requires you to maintain minimum financial responsibility limits on motor vehicles you own and operate in connection with your business.

Minimum Financial Responsibility Requirements

  1. Bodily Injury and Property Damage Liability
  2. Uninsured Motorist Coverage
  3. Underinsured Motorist Coverage
  4. Hired/Non-Owned Auto


Bodily Injury and Property Damage Liability protects drivers of your vehicle if they are responsible for causing injury or death to other people or damage to other property.

Uninsured Motorist Coverage provides bodily injury protection to people in your vehicle if you are in an accident caused by an uninsured motorist. It does not include damage to property. Every policy that offers motor vehicle liability coverage must include this coverage.

Underinsured Motorist Coverage is a coverage in an automobile insurance policy under which the insurance company will pay damages to the insured for which another motorist is liable if the motorist causing an accident has lower bodily injury liability limits than your UIM limits. The maximum dollars paid is then the difference between the two limits.

Typically, hired and non-owned auto coverage is part of a commercial auto policy. It is liability and property damage insurance for a vehicle that is owned by an individual other than the company, but is used on a company’s behalf.


Hired Autos

Only those “autos” you lease, hire, rent or borrow. This does not include an “auto” you lease, hire, rent or borrow from any of your employees or partners or members of their households.


Non-Owned Autos

Only those “autos” you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes “autos” owned by your employees or partners or members of their households but only while used in your business or your personal affairs.


Ride-Sharing and TNC

Transportation Networking Companies (TNC), is a company that provides transportation by smart phone using their personal vehicle to transfer passengers. This includes; pizza delivery, ride-sharing, newspaper delivery, and more. Please contact your agent with any questions.


Read Our Blog Post on Ride-Sharing Coverage

Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!


Do you need an original hard copy signature?

NO-Most of our carriers today allow for a PDF document as long as it is an original signature.  Some are also allowing e-signatures as well.

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— Scott & Becky V.

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