Commercial auto

Our auto broadening endorsement extends and expands the coverage of the commercial auto policy. This important extra coverage, normally limited or excluded from a standard policy, goes beyond the normal scope of auto insurance, to further help your business recover from a loss. What’s more, they’re provided for a fraction of the cost of purchasing them separately.

Some highlights from the coverage enhancements include:

• Blanket waiver of subrogation: Clarifies that the insured can waive our rights of recovery from others prior to a loss
• Broadening named insured: Automatic coverage until the end of the policy period for newly acquired organizations where the insured has controlling interest
• Employee as insureds: Any employee is an insured while using a covered auto not owned, hired, or borrowed for business or personal affairs
• Glass breakage deductible: Waives the deductible, if the glass is repaired instead of replaced (not available in Massachusetts)
• Hired auto physical damage: Included for a limit of $50,000
• Hired auto: Worldwide hired auto coverage for 30 days

Get more details about The Hanover's expanded auto coverage

Coverage enhancements	Description
Coverage description cancellation	Extended to 60 days, except non-payment of premium (not available in Texas, Ohio, Pennsylvania, and Massachusetts).
Employee hired auto	Amends Symbol 8 to include autos that employees hire at the Insured’s direction for the purposes of conducting business.
Broadening named insured	Automatic coverage until the end of the policy period for newly acquired organizations where the Insured has controlling interest.
Employees as insureds	Any employee is an Insured while using a covered auto not owned, hired, or borrowed for business or personal affairs.
Supplemental payments	Bail bonds are increased to $2,500 and Insured’s loss of earnings are increased to $500.
Fellow employee exclusion exception	For bodily injury arising from the use of a covered auto that the business owns or hires.
Expense of returning a stolen vehicle	We will pay for the expense of returning a stolen covered auto to you.
Sign coverage	Up to $2,000 for signs, murals and paintings on vehicles.
Glass breakage deductible	Waives the deductible, if the glass is repaired instead of replaced (not available in Massachusetts).
Transportation expense	Temporary transportation expenses of $50 a day, up to $1,500, when the Insured’s covered private passenger auto is stolen.
Hired auto physical damage	Included for a limit of $50,000.
Audio, visual and data, electronic equipment	Up to $500 for permanently installed audio, visual, or data electronic equipment.
Rental reimbursement and material transfer expense	Coverage for rental reimbursement expense for up to 60 days and a limit of $3,000. Coverage is also included for the expense to remove and transfer the Insured’s equipment and material from the covered auto, which was involved in the loss.
Airbag coverage	Provides coverage for the accidental discharge of the airbag.
Auto loan physical damage extension	Provides coverage for the difference between the actual cash value on a vehicle, and the outstanding principle loan balance.
Auto lease physical damage extension	Provides lease gap coverage.
Knowledge of an accident	Clarifies that knowledge of an accident, claim, suit, or loss will be considered knowledge by the Insured if reported to an individual Named Insured, partner, executive officer or an employee designated by you to give us such a notice.
Blanket waiver of subrogation	Clarifies that the Insured can waive our rights of recovery from others prior to a loss.
Unintentional failure to disclose Information	Unintentional failure to disclose information will not prejudice the Insured’s rights under the Commercial Auto Form.
Hired auto	Worldwide hired auto coverage for 30 days
Bodily injury redefined	Bodily injury is redefined to include mental anguish resulting from bodily injury.
Pricing and availability	Varies by state and number of vehicles.

We offer a wide range of Risk Solutions services to help businesses prevent auto losses and claims before they occur, including:

• Organizational fleet safety program: Free online management training course on fleet safety and strategies for effective implementation
• Hanover driver safety advantage: Free online driver training courses on topics including defensive driving, distracted driving, pre-trip inspections and more
• Hanover Risk Solutions partners: Special discounts on motor vehicle records checks, driver monitoring, GPS monitoring, driver training, security cameras and video alarms

Learn more about Risk Solutions auto and fleet safety services

*Coverage availability varies by type and size of business

When the road gets bumpy, Hanover policyholders have 24/7 access to experienced claims professionals and convenient claims reporting options to help businesses get back on the road.

Claims FAQs

Want to learn more? See some of the most frequently asked questions, or give us a call.

Auto claims FAQs

Phone: 800-628-0250