Commercial Auto Insurance
Commercial auto covers the vehicles your business uses on public roads — the trucks, vans, and trailers you use to transport your UTV fleet, shuttle customers, and run the operation. Personal auto excludes business use.
Commercial Auto for UTV Rental & Tour Operators
Your side-by-sides may live off-road, but your business runs on public roads too: hauling the fleet on trailers to staging areas, shuttling customers to and from trailheads, and running errands. Commercial auto covers those on-road vehicles and the liability that comes with them. A personal auto policy will not respond to a business-use accident.
What's Covered
- Liability: At-fault accidents causing injury or property damage to others
- Collision: Damage to your own trucks and vans in an accident
- Comprehensive: Theft, fire, vandalism, and weather damage
- Trailer coverage: The enclosed and open trailers you haul your fleet on
- Hired & non-owned auto (HNOA): Rented vehicles and employee personal vehicles used for work
- Passenger shuttle exposure: If you transport paying customers, underwriting accounts for it
Hauling the Fleet
The trailers you use to move side-by-sides are a key exposure — both the trailer itself and your liability while towing. We make sure your trailers are scheduled and that the units in transit are addressed (typically under your rental equipment physical damage coverage), so a highway incident doesn't fall between two policies.
Why a Broker
UTV rental operations are a niche risk for auto underwriters, especially when customers are shuttled. We place your fleet with carriers that understand the operation and won't exclude the activities you depend on.
What's Covered
Frequently Asked Questions
Yes. Towing the fleet for business and any customer shuttling is business use that personal auto excludes. Commercial auto covers the tow vehicles, trailers, and the liability involved.
The trailer and towing liability fall under commercial auto; the units themselves in transit are typically covered by your rental equipment physical damage policy. We coordinate both so nothing is missed.