Coverages to Keep
Your Business Moving

Protecting the spectrum of commercial autos.

Commercial Auto Insurance

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Business Auto Insurance

We know business auto insurance, and we look forward to putting our decades of experience to work for you—experience that has made us a source of strength and stability in the insurance industry since 1940.

Business Auto Categories Include:

  • Children's Transportation
    Examples: School buses, day care vans, Head Start Program autos, scout buses, group home vans/shuttles
  • Company or Executive Vehicles
    Examples: Salespersons’ vehicles, visiting nurses’ autos, owners’ personal vehicles
  • Construction Vehicles
    Examples: Boom trucks, mobile truck cranes, cement pumpers, dump trucks, service trucks, fuel trucks, water trucks
  • Contractors Vehicles
    Examples: Vehicles used by plumbers, roofers, electricians, landscapers, locksmiths, painters
  • Courtesy Transportation Vehicles
    Examples: Courtesy vehicles for car dealers, repair shops, hotels and restaurants
  • Delivery Vehicles
    Examples: Delivery vehicles for flowers, couriers, packages, auto parts, furniture, U.S. mail, pizza, food, other manufactured goods
  • Drive-away Contractor Vehicles
    Examples: Registration plates, transporter tags, named operators
  • Driver Training Vehicles
    Examples: Sedans, trucks, tractor/trailers
  • Farmer Vehicles
    Examples: Pickup trucks, grain trucks, livestock trucks, dump trucks
  • Funeral Homes Vehicles
    Examples: Escort vehicles, limousines, hearses, flower cars
  • Mobile Concession Vehicles
    Examples: Taco trucks, vehicles used by caterers and hot dog vendors
  • Religious Organization Vehicles
    Examples: Church vans, choir buses, Amish transportation shuttles, vehicles used by the pastor
  • Rental Operation Vehicles
    Examples: Commercial vehicles, sedans, SUVs, minivans
  • Security Vehicles
    Examples: Vehicles for bail bondsmen, private investigators, security patrols, home security and prisoner transport

Coverages:

Here are some common coverages to consider:

  • Liability
    Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
  • Physical Damage
    Physical damage coverage pays for damage to your vehicle.
  • Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
    Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
  • Medical Payments
    Medical payments coverage pays for medical bills for occupants of a covered vehicle.

Limits Available: We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings: Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

Commercial Trucks and Truckers

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You count on your vehicles to drive your business; count on us to protect your investment. We offer the insurance products you need.

Commercial Trucks and Truckers Categories Include:

  • Construction Vehicles
    Examples: Boom trucks, mobile truck cranes, cement pumpers, dump trucks, service trucks, fuel trucks, water trucks
  • Delivery Vehicles
    Examples: Delivery vehicles for flowers, packages, auto parts, furniture, U.S. mail, pizza, food, other manufactured goods
  • Drive-away Contractor Vehicles
    Examples: Registration plates, transporter tags, named operators
  • Driver Training Vehicles
    Examples: Sedans, trucks, tractor/trailers
  • Dump Trucks
    Examples: Dump trucks used by contractors and aggregate haulers
  • Hazardous Commodity Haulers
    Examples: Trucks hauling fuel oil, propane, gasoline and other chemicals (some exclusions exist)
  • Non-trucking Liability
    Examples: Bobtail/deadhead contingent liability
  • Tankers
    Examples: Water trucks, fuel trucks, trucks hauling liquid asphalt and other chemicals (some exclusions exist)
  • Tow Trucks
    Examples: Wreckers and rollbacks for repair shops, car dealerships, police rotation, repossessors, salvage yards
  • Truckers
    Examples: Car carriers, mobile home toters, other long haul trucks hauling goods for hire

Coverages:

Here are some common coverages to consider:

  • Liability
    Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
  • Physical Damage
    Physical damage coverage pays for damage to your vehicle.
  • Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
    Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
  • Medical Payments
    Medical payments coverage pays for medical bills for occupants of a covered vehicle.
  • Cargo
    Cargo coverage pays for damages to goods you transport for hire or when transporting your own goods
  • In-Tow
    In-tow coverage pays for damage to a customer's auto that is towed or carried by your truck.

Limits Available: We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings: Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

Passenger Transport

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You supply the ride; we'll provide the peace of mind. It is one of our many specialties--insuring vehicles that transport the most precious cargo.

Passenger Transport Categories Include:

  • Charter Buses
    Examples: Sightseeing and tour buses, entertainer buses, wilderness expedition vehicles, ski buses, casino buses
  • Children's Transportation
    Examples: School buses, day care vans, Head Start Program autos, scout buses, group home vans/shuttles
  • Courtesy Transportation
    Examples: Courtesy transportation for car dealers, repair shops, hotels, restaurants
  • Employee Transportation
    Examples: Vehicles used to transport railroad workers, farm laborers, and other employees to and from the job-site
  • Funeral Home Vehicles
    Examples: Limousines, escort vehicles, hearses, flower cars
  • Limousine and Sedan Services
    Examples: Stretched and super-stretched limousines, stretched SUVs, executive transport autos, airport transportation vehicles
  • Mass Transit
    Examples: Urban buses, trams, trolleys, shuttle services, airport shuttles
  • Medical Transportation
    Examples: Ambulances, rescue squad vehicles, non-emergency medical transportation autos, medical provider courtesy vehicles
  • Religious Organization Vehicles
    Examples: Church vans, choir buses, Amish transportation shuttles, vehicles used by the pastor
  • Social Service Vehicles
    Examples: Head Start Program autos, group home vans/shuttles, YMCA buses, scout buses, senior citizen center vehicles
  • Taxis

Coverages:

Here are some common coverages to consider:

  • Liability
    Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
  • Physical Damage
    Physical damage coverage pays for damage to your vehicle.
  • Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
    Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
  • Medical Payments
    Medical payments coverage pays for medical bills for occupants of a covered vehicle.

Limits Available: We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings: Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

Specialty Operations Insurance

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You have your niche; we have ours. National Indemnity Company offers vehicle coverage for a broad range of specialty operations. Our scope may surprise you—so will our level of dedicated service.

Specialty Operations Categories Include:

  • Drive-away Contractor Vehicles
    Examples: Registration plates, transporter tags, named operators
  • Driver Training Vehicles
    Examples: Sedans, trucks, tractor/trailer
  • Funeral Home Vehicles
    Examples: Escort vehicles, limousines, hearses, flower cars
  • Medical Transportation
    Examples: Ambulances, rescue squads, non-emergency medical transportation, medical provider courtesy vehicles
  • Mobile Concessions Vehicles
    Examples: Caterers, hot dog vendors, taco trucks
  • Mobile Operations Vehicles
    Examples: Bookmobiles, bloodmobiles, mobile offices, mobile medical testing
  • Municipality-owned Vehicles
    Examples: Ambulances, law enforcement vehicles, fire trucks, water trucks, hazardous material responders, street sweepers
  • Non-trucking Liability
    Examples: Bobtail/deadhead contingent liability
  • Rental Operations Vehicles
    Examples: Commercial vehicles, sedans, SUVs, minivans
  • Security Vehicles
    Examples: Vehicles for bail bondsmen, private investigators, security patrols, home security, prisoner transport

Coverages:

Here are some common coverages to consider:

  • Liability
    Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.
  • Physical Damage
    Physical damage coverage pays for damage to your vehicle.
  • Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)
    Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).
  • Medical Payments
    Medical payments coverage pays for medical bills for occupants of a covered vehicle.

Limits Available: We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact your agent for details and availability.

Regulatory Filings: Many businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact your agent for details.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.

National Indemnity group of insurance companies


National Indemnity Company
National Fire & Marine Insurance Company
National Indemnity Company of Mid-America
National Liability & Fire Insurance Company
National Indemnity Company of the South
Columbia Insurance Company