Commercial automobile application 2026

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  1. Click ‘Get Form’ to open the commercial automobile application in the editor.
  2. Begin by filling in the 'Name of Applicant' and 'Agent Name' fields. Ensure that all contact information, including phone number and mailing address, is accurate.
  3. In the 'Description of Operations' section, select the type of business entity (Individual, Partnership, Corporation, etc.) and provide a brief description of your operations.
  4. Answer questions regarding your business history, such as how long you have been in operation and any previous insurance issues. Be thorough in your explanations.
  5. Complete the 'Driver Information' section by listing all drivers along with their details. Make sure to include any relevant training programs or hiring procedures.
  6. Fill out the 'Vehicle Information' section accurately, detailing all vehicles owned or leased. Attach necessary documentation as required.
  7. Review all entries for accuracy before submitting. Use our platform's features to save your progress and make edits as needed.

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A business auto policy (BAP) is a type of auto insurance and liability policy that covers all vehicles used by a business, whether theyre owned by the business, leased, or owned by employees.
A business automobile policy (BAP) provides coverage for a companys use of cars, trucks, vans, and other vehicles in the course of carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes.
The Business Auto Coverage Form (BACF) is the standard insurance form used by many insurers to provide commercial auto coverage. Although the form refers only to autos, autos are defined to include cars, trucks, trailers, vans or other vehicles designed for use on public roads.

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Commercial auto insurance covers vehicles used for business and the people who drive them. If you or a driver of your business vehicle causes an accident that injures another person or damages their property, they can file a claim on your policy and bring a lawsuit against you or the driver.
The most evident difference between business insurance and commercial auto policies involves how work-related vehicles are used are used. Business auto insurance covers vehicles used for trips through regular traffic, whereas commercial auto insurance covers specialized vehicles designed for specific jobs.
Hired and non-owned autos: If an employee causes an accident with a vehicle that is hired (i.e., borrowed, rented, or leased) or not owned (i.e., an employees personal vehicle) by the company while fulfilling business purposes, any bodily injury or property damage is excluded from coverage.

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