Business Auto Insurance

The auto insurance available through the A4DD is a true commercial policy that will protect you against work-related and non-work accidents – often at prices surprisingly similar to personal auto insurance.

Below is a list of coverages and benefits available. Commercial Auto Insurance is quoted through A4DD’s auto insurance partners. Click on any coverage to learn more about it.

Extra Coverage's Available For Members

Commercial Auto policies also may feature the following additional protections:

  • Extra Expense Coverage for Return of a Stolen Auto – up to $2,500
  • Rental Reimbursement Coverage – $75 per day up to 30 days
  • Electronic Equipment Coverage – up to $500
  • Hired Auto “Loss of Use” Coverage up to $500 per accident
  • Blanket Waiver of Subrogation (sometimes required by work contracts)

Additionally, if you purchase physical damage coverage’s (see above) for your covered auto(s) you may select:

  • Hired Auto Physical Damage Coverage – up to $50,000. Coverage does not extend to autos leased under an agreement where the lessor agrees to provide physical damage coverage
  • Towing & Labor Costs Coverage – up to $250
  • Accidental Airbag Discharge Coverage
  • Glass Coverage – Waiver of Deductible if glass is repaired vs. replaced

What Vehicles Are Covered

For each of the coverage types above, the following number symbols will be used in quotes and policy forms to designate categories of vehicles that will be insured.

Symbol 7 – indicates that coverage applies for those autos specifically described on the policy. Auto liability coverage also applies to temporary substitute vehicles you do not own if a described vehicle is out of service due to loss or damage, breakdown, repair, or servicing. This symbol also provides coverage for newly acquired or replacement autos so long as they are reported to the insurance company within 30 days.

Symbol 8 – indicates that coverage applies for hired, leased, rented or borrowed autos.

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