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Choose a business auto policy from The Hartford and we'll automatically include a package of valuable features to supplement standard commercial auto coverages. A few of those coverage enhancements are highlighted below. Ask your agent for complete details on our policy.

 

Review Our Enhanced Commercial Auto Coverages

What We Cover	How You Will Benefit
Lease Gap Coverage	Many other insurers charge extra for this valuable protection. But as long as you elect our physical damage option, The Hartford can pay the outstanding balance of a lease–if your car is totaled in an accident and the remaining lease exceeds the car's actual cash value.
Additional Temporary Transportation Expense	The Hartford's commercial auto policy includes coverage for transportation expenses you have to incur if your private passenger car is stolen, such as the cost of renting a vehicle or using public transportation.
Broadened Coverage for Extra Expense	If you elect comprehensive coverage on your commercial auto policy, The Hartford can pay any extra expenses involved in returning an insured automobile that has been stolen and recovered.
Bodily Injury and Property Damage Liability	If your business is held liable for someone's injury or property damage, The Hartford's policy would help protect you against financial loss.
Glass Repair	Unlike other insurers, The Hartford's commercial auto policy will waive the deductible if you have damaged glass repaired instead of replaced.
Hired Auto and Non-Owned Auto	The Hartford covers damages you are legally required to pay due to bodily injury or property damage that occurs during the use, loading or unloading of hired or non-owned vehicles used for your business.
Liability Coverage for Business Use of Your Employees' Cars	If your employees use their own cars for company business, you can rest easier knowing you've added this optional protection to your Hartford commercial auto policy. Then, if your employees were involved in an accident while using their own vehicles for company business, you can be protected if someone sued you for the resulting damage or injury.
Medical Payments for You or Your Passengers	If you choose to purchase this coverage and are in an accident or struck by another vehicle, The Hartford's commercial auto policy can pay medical expenses for you (if you are not covered by workers' compensation) as well as passengers in your vehicle.
Physical Damage (Collision)	If your Hartford commercial auto policy includes coverage for collisions, you will be when your vehicle is physically damaged in an accident involving another vehicle or a stationary object, such as a building, telephone pole, or guardrail.
Liability Coverage for Accidents Involving Your Company-Owned Cars	This coverage helps protect you when someone else claims you (or someone driving your covered car) are legally liable for either bodily injury or property damage. The Hartford extends your commercial auto liability protection to employees who may be sued by other employees because of an accident.
Physical Damage (Comprehensive)	If you elect The Hartford's comprehensive coverage on your commercial auto policy, it can help pay for physical damage to your insured autos caused by a variety of risks, including fire, lightning, theft, vandalism, hail and flood.
Sound Receiving and Reproducing Equipment	Coverage is included for permanently installed electronic equipment designed solely for the reproduction or transmission of audio, visual, or data signals.
Uninsured/Underinsured Motorist	The Hartford's uninsured/underinsured motorist coverage protects you in case you are injured in an accident caused by the negligent operation of an uninsured auto or by a hit-and-run motorist. It also protects you in case you are injured by someone who has less liability coverage than you.

 

This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.