Commercial Auto Insurance
Commercial auto covers the road vehicles your business owns and operates — trucks and trailers that haul your buggy fleet, guest shuttle vans, and support vehicles. Personal auto excludes this business use.
Commercial Auto for Sand Buggy Operators
Getting your fleet and your guests to the dunes means road vehicles — trucks and trailers hauling buggies, shuttle vans moving guests from the office to the staging area, and support vehicles. Commercial auto covers these on-road vehicles; a personal auto policy excludes business use and won't respond.
What's Covered
- Liability: At-fault on-road accidents causing injury or property damage
- Collision: Damage to your owned trucks and shuttles from a crash
- Comprehensive: Theft, fire, and weather damage to your road vehicles
- Trailers: The enclosed and open trailers that haul your buggy fleet
- Hired & non-owned auto (HNOA): Rented vehicles and employee vehicles used for the business
- Passenger / shuttle exposure: Moving paying guests by road
Where Commercial Auto Stops and Other Coverages Begin
Commercial auto covers your on-road vehicles and their liability. It does not cover:
- The off-road buggies themselves — that's rental equipment / physical damage coverage
- Rider injuries on the dunes — that's participant accident coverage
- The value of the fleet in transit as cargo — coordinated with inland marine
We structure commercial auto alongside those coverages so the truck, the trailer, the fleet, and the riders are all protected with no gap.
Guest Transport Matters
If you shuttle paying guests by road, underwriters look closely at your driver records and vehicle maintenance. A clean program improves both safety and pricing.
What's Covered
Frequently Asked Questions
Yes. Hauling your fleet and shuttling guests is business use, which personal auto policies exclude. You need commercial auto (with trailer coverage) so an accident hauling buggies or moving guests is covered.
Commercial auto covers the truck and trailer and their liability; the value of the buggies as cargo in transit is best handled through your rental equipment / inland marine coverage. We coordinate both so there's no gap.