Any Auto Liability Insurance

Many small businesses are required by their customers to carry insurance that covers all owned, hired, and non-owned vehicles. Any auto liability coverage extends primary auto liability protection for the vehicles that are listed on your policy to those vehicles you purchase during your policy term. Any auto liability includes coverage for both hired and non-owned autos, often referred to as non-owned vehicle liability or hired auto liability insurance.

Who Needs Any Auto Liability Insurance?

Businesses that are eligible for any auto liability coverage include:

  • Construction/trade contractors
  • Builders
  • General contractors
  • Landscapers
  • Florists
  • Other select business types

Any Auto Liability Basics

Any auto liability provides primary auto liability coverage for the vehicles you own that are listed on your commercial auto insurance policy, vehicles that are hired, other non-owned vehicles, and also for vehicles you purchase during your policy term. Although any auto can provide primary auto liability coverage for vehicles not listed on your policy, it’s best to contact us to add your newly purchased vehicles to your policy in order to make sure you have enough coverage to protect your vehicles and your business.

Any Auto Exceptions and Restrictions

It’s important to note that any auto insurance doesn’t include physical damage coverage, such as collision or comprehensive.

Additionally, any auto liability coverage only extends to purchased vehicles until the end of your current policy term. When you receive your renewal proposal, you or your agent will need to update your listed vehicles on your policy to ensure they have Liability coverage.

Any Auto Liability Example

You’re a general contractor with a commercial auto insurance policy for your business-owned vehicles. Before it’s time to renew your policy, you buy a new truck, forget to tell your insurance company, and then cause an accident.

In this situation, any auto liability coverage would provide primary auto liability coverage for your unlisted vehicle.

Exceptions and Restrictions

Any auto liability may not be available in all states or situations. Your coverages may differ from the examples above. Refer to your policy or contact us to learn more about coverages specific to your situation.