Maryland & Delaware Commercial Auto Insurance By Atlantic/Smith, Cropper & Deeley 9/12/2012 Whether you are a small business owner that has one vehicle used for both personal and business purposes or you have a fleet of a hundred or more vehicles, our business specialists will help you find the right solution for your company’s individual needs. Having a driver found to be at fault in an auto accident could bring great financial harm to your company if your coverage isn’t adequate. Maryland commercial auto insurance and Delaware commercial auto insurance policies typically have a combined single limit of $1,000,000 that pays for bodily injury and property damage. In a multi-car accident, this limit could be exhausted easily. This is the chief reason that many businesses choose to carry an Umbrella or Excess Liability policy. With optional endorsements to your Maryland or Delaware commercial auto insurance policy, you may add coverage for vehicles that do not belong to your company, but are used for company business. For example, you have one of your trusted employees make a run to the bank once per day. Your business, even though that vehicle and driver are covered by that employee’s personal auto policy, is not covered for liability without Non-owned Auto coverage. Similarly, Hired Auto coverage extends liability to vehicles that are rented in the name of the business and used for business purposes. Additional endorsements can cover physical damage for rentals and allow for coverage for employees renting vehicles in their personal names as long as the vehicle is for business purposes.