The Hartford's commercial auto coverages are unique because we not only provide comprehensive protection; but we go beyond the standard at no additional charge. Just look at the advantages of our Commercial Auto Broad Form Endorsement.
| Coverages |
The Hartford Advantage |
| Broad Form Named Insured |
Provides automatic coverage for:
- subsidiaries in which you own more than 50% of the voting stock
- most organizations youve acquired where you have a majority ownership
- employees while driving a covered auto that your business does not own, hire or borrow
- lessors, provided the lease requires you to provide primary insurance and the auto is leased without a driver.
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| Autos Rented by Employees |
Provides coverage for employees who rent autos on your behalf, but in their own name. |
| Amended Fellow Employee Exclusion |
Provides coverage if an employee causes an accident and injures another employee passenger while driving your owned vehicle. This coverage: (1) is in excess of other collectible coverage; and (2) applies only if you also have Workers' Compensation insurance in force for all employees. |
| Hired Auto Physical Damage |
Automatically provides for physical damage coverage to any vehicles your business hires or borrows, as long as you have liability coverage on those you hire and physical damage on those you own. |
| Lease Gap Coverage |
If you elect our physical damage option, The Hartford will cover the outstanding balance of the lease if it exceeds the car's actual cash value, if the auto you lease is totaled in an accident. |
| Airbag Coverage |
Covers resetting or replacing an airbag that inflates even though the vehicle incurs no physical damage. |
| Sound Receiving and Transmitting Equipment |
Covers permanently installed sound receiving or transmitting equipment. |
| Extra Expense-Broadened Coverage |
Covers the expense of returning your stolen vehicle to you. |
| Glass Repair |
Waives the deductible if damaged glass is repaired instead of replaced. |
| Unintentional Failure to Disclose Hazards |
Covers injuries that result from a hazard you unintentionally failed to disclose to us when applying for business insurance. |
| Waiver of Subrogation |
Eliminates the need to separately endorse your policy when "waiver of subrogation" language is requested in a written contract. |
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