Design - Auto Liability

Auto liability for design firms can be in the form of coverage for a fleet of service vehicles operated during business hours, owned automobiles operated by principals and partners, as well as coverage for employee-owned vehicles operated during business hours on behalf of the firm, commonly referred to as hired and non-owned auto coverage.  For company-owned vehicles, a stand-alone business auto policy is required.  Hired and non-owned auto liability coverage can sometimes be added to a business owners policy but may not provide the same level of physical damage coverage you would see on an auto policy.