Commercial Auto
Coverage for the trucks, vans and trailers your business uses to haul fireworks.
Get a QuoteWhat it covers
Commercial auto insurance covers liability and physical damage for vehicles used in your business, including accidents that injure others or damage their property. Vehicles transporting fireworks can face additional federal and state transportation rules, including hazardous materials requirements for certain loads, so it is important to tell your agent exactly what you haul and how.
Fireworks examples
- A delivery truck hauling stock to stands is involved in an accident
- A van carrying display product is damaged
- An employee driving a personal vehicle for a business errand causes an accident (hired & non-owned auto)
- A trailer of product is damaged while being towed
Questions to ask
- Whether you haul fireworks in quantities or classes that trigger hazmat rules or filings
- Who will be driving, including seasonal and part-time drivers
- Hired and non-owned auto coverage
- Coverage for trailers and the cargo on them (often paired with inland marine)
- Any radius, vehicle-type or cargo restrictions on the policy
Coverage varies by policy and carrier. This is a general overview, not a description of any specific policy. Actual coverage, exclusions and terms depend on the policy issued. Talk with us about your operation.
Other coverages: General LiabilityPropertyInland MarineWorkers' Compensation
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