If you have commercial vehicles out on the road, this is an imperative. Vehicles encounter more unknowns and risks on the road than most other assets of your business so covering them is a great way to mitigate those risks.

Auto insurance is not only legally required but represents for many businesses the greatest potential for loss. A typical auto policy should cover various liability and property exposures. Here is a list of the various components of auto insurance:

• Comprehensive & Collision (physical damage to your or others’ vehicles)
• Liability: for claims against you
• Non Owned Liability: when an employee is at fault driving their vehicle during work
• Medical Payments
• Towing Reimbursement
• Rental Car Reimbursement

Additional Coverages

• Drive Other Car Liability
• On Hook: for tow truck operators
• Coverage for Trailers

Loss control is essential to minimize this severe business risk. Colony West works with customers to create and implement effective, fleet-specific risk management strategies such as:

• Cal Bit compliance programs
• CHP lead driver training
• Fleet maintenance program development
• DOT compliance
• Fleet fuel discount programs
• Incentive programs
• Fleet tracking software