All businesses have a need for automobile coverage, whether for
hired and non-owned autos or a fleet of business vehicles you own. Coverage
for your commercial automobiles can be included in your package
policy. You can purchase protection for a wide range of vehicle types,
including specialized vehicles unique to your operations.
Cincinnati also features endorsements to tailor your policy. The
CinciPlus® Business Auto XC® Endorsement is one of our
most popular endorsements, adding a bundle of auto coverages for one premium.
With this endorsement you'll appreciate:
- physical damage (up to $35,000) and loss of use (up to $1,000) for hired
private passenger autos and light duty trucks
- car rental fees (up to $40 per day for up to 30 days) when covered private
passenger autos cannot be used because of an insured loss
- repair or replacement of airbags that accidentally discharge due to a
mechanical or electrical breakdown (applies to autos covered for comprehensive
physical damage)
- loan or lease gap coverage on a covered private passenger auto declared a
total loss after a covered claim
- waiver of the deductible on auto glass, damaged by a covered loss, when
repaired rather than replaced
- coverage for a newly formed or acquired organization (coverage provided for
up to 180 days after the date of formation or acquisition)
- insurance for your employees for liability when conducting business and
driving a covered auto that you do not own, hire or borrow
- increased amounts of insurance on supplementary payments for bail bonds,
associated expenses and lost earnings
- increased amounts of insurance on transportation expenses if your private
passenger auto is stolen
- coverage if you unintentionally fail to disclose hazards
- coverage for hired private passenger autos worldwide, when suit for bodily
injury or property damage is brought in the United States
- an expanded definition of bodily injury that now includes mental
anguish
You can also look to Cincinnati to insure auto service operations under our
standard Commercial Package Policy, CinciPak policy (where available) for
small-to medium-size eligible garage service operations.
