Commercial Auto Insurance
Commercial auto covers the vehicles your business uses on public roads — the vans and trucks you use to transport units, deploy and rebalance shared fleets, and run the operation. Personal auto excludes business use.
Commercial Auto for Scooter & Moped Operations
Your scooters may be small, but your business still runs on the road: hauling units for service, delivering rentals, and — for shared fleets — deploying, collecting, and rebalancing scooters across a city every day. Commercial auto covers those 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 vans and trucks in an accident
- Comprehensive: Theft, fire, vandalism, and weather damage
- Hired & non-owned auto (HNOA): Rented vehicles and employees using personal vehicles for work
- Uninsured/underinsured motorist: Protection when the at-fault driver lacks coverage
- Fleet coverage: Multiple vans and trucks on one policy
Rebalancing and Deployment Vehicles
Shared e-scooter operators run vehicles constantly to collect, charge, and redistribute units. That high-mileage, stop-and-go use is a real exposure, and the scooters being transported are typically covered by your fleet physical damage policy rather than the auto policy. We coordinate both so nothing falls through the cracks.
Why a Broker
Scooter and shared-mobility operations are a niche for auto underwriters. We place your vehicles with carriers that understand the operation and won't exclude the activities you depend on.
What's Covered
Frequently Asked Questions
Yes. Using a vehicle for business — hauling units, deploying or rebalancing a fleet — is business use that personal auto excludes. Commercial auto covers the vehicles and the liability involved.
The vehicle and towing/transport liability fall under commercial auto; the units in transit are typically covered by your rental fleet physical damage policy. We arrange both together.