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Protection for Your Business Auto

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.

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