An insured has a fleet of small vans delivering packages across the U.S. The current carrier is canceling the policy because vehicles aren’t garaged in the same state as the insured.
“Insurance is often the second-largest operating expense for a property owner after debt service, so it’s always top of mind,” said independent agent Michael Kovalev.
As competition among insurers intensified, large and complex property rates fell an average of 14.5% in the second quarter of 2026, according to WTW.
A marina will often tow a non-owned trailer, with or without a boat, on marina property and occasionally on a public road. The carrier will not give the agency a definite answer about coverage.
As the risks within the commercial auto industry grow, so do the opportunities for independent insurance agents to help clients navigate an increasingly complex threat landscape.
A bill introduced in the U.S. House of Representatives would make staging motor vehicle accidents for insurance payments a federal crime.
Electric vehicles (EVs) are one way commercial auto operators can reduce operational costs. But EV adoption also introduces new exposures, including cyber vulnerabilities, battery fire hazards and higher repair costs.
The garage liability carrier is declining to pay for the third-party damage, saying the garage liability policy is excess for any non-owned vehicles and that the customer’s personal auto policy should pay.
As commercial auto insurance challenges persist, the industry is increasingly leveraging telematics and supporting proposals to address third-party litigation funding.
An insured is listed as a covered individual on the drive other car endorsement of a business auto policy. He rented a vehicle personally and was involved in an accident. The carrier is denying the claim.
