Professional services
Commercial Auto Insurance Calculator
Commercial vehicle insurance from fleet size, value and how the vehicles are used.
Result
An estimating tool, not insurance advice and not a quote. Actual premiums are set by underwriting on factors no calculator sees: claims history, credit and loss data, exact location, construction, contract requirements and the insurer's own appetite. What cover you need is a question for a licensed broker who has looked at your situation. Commercial auto rates depend heavily on radius of operation, what is carried, and driver records, which are checked. Personal auto policies exclude business use, so a van used for work and insured personally is frequently uninsured at the moment of a claim. Hired and non-owned auto cover is a separate and commonly overlooked exposure where employees drive their own cars for work.
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About this calculator
Can I insure a work van on a personal policy?
Generally not, and doing so risks the claim being denied. Personal auto policies exclude business use, which is exactly when the vehicle is most often on the road.
What is hired and non-owned auto cover?
It covers liability when employees drive vehicles you do not own for business, including their own cars. Many small businesses have this exposure and no cover for it.
The formula
premium = exposure / rate basis x rate x risk multiplier, less deductible credit, plus claims loading
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