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Automobile

Commercial Auto Insurance

Protection against claims resulting from car accidents in vehicles that are either church-owned or leased.

  • Covers your organization and anyone driving a church-owned or leased vehicle, except:
  • The person from whom the vehicle is rented or borrowed
  • An employee driving a vehicle owned by either him/herself or someone in the household
  • Anyone who is selling, repairing or parking the vehicle as a function of their job
  • A non-employee who is moving property to or from a covered vehicle

Includes $1 million coverage for property damage and bodily harm.

Covered Risks

Although policies vary by state, they typically cover: 

Liability: 

  • Mandatory for all vehicles
  • Covers property damage and bodily injury

Personal Injury (Also known as “No-Fault.”) 

  • Covers medical expenses, lost wages and other necessary costs incurred as a result of an accident
  • Protects the insured driver and/or passengers

Uninsured and Underinsured Motorists

  • Covers the civil liability of another driver who either:
    • Is uninsured, or
    • Does not have enough insurance to cover bodily injury and/or property damage of the insured driver

Physical Damage

  • Covers damage to the insured vehicle through collision and comprehensive coverage


Covered Vehicles

  • Church-owned vehicles, including long-term leases
  • Vehicles specifically listed on the policy
    • Policy must have all covered vehicles’ make, model, year and VIN
  • Rented vehicles – except those obtained for personal use
  • Vehicles used on behalf of the insured