{"id":532,"date":"2021-02-23T20:20:09","date_gmt":"2021-02-24T02:20:09","guid":{"rendered":"http:\/\/guardian-insurance-lawrenceville.four.zysites.com\/blog\/does-commercial-auto-insurance-cover-theft\/"},"modified":"2024-03-14T10:36:25","modified_gmt":"2024-03-14T15:36:25","slug":"does-commercial-auto-insurance-cover-theft","status":"publish","type":"post","link":"https:\/\/www.myguardianinsurance.com\/es\/sin-categorizar\/does-commercial-auto-insurance-cover-theft\/","title":{"rendered":"Does Commercial Auto Insurance Cover Theft?"},"content":{"rendered":"<p><a href=\"https:\/\/www.myguardianinsurance.com\/business\/commercial_auto_quote.aspx\">Commercial auto insurance<\/a> provides coverage for a wide variety of incidents, but it can&rsquo;t cover everything. There are different types of coverages to purchase for work vehicles and it&rsquo;s important to understand what your policy covers. But does it cover theft?<img decoding=\"async\" alt=\"a car parked in a parking lot\" data-src=\"http:\/\/guardian-insurance-lawrenceville.four.zysites.com\/wp-content\/uploads\/sites\/70\/2024\/03\/Fleet.png\" style=\"float: right;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>&nbsp;<\/p>\n<p>A typical <a href=\"https:\/\/www.myguardianinsurance.com\/business\/commercial_auto_quote.aspx\">commercial auto insurance policy <\/a>does cover theft beneath its comprehensive coverage. Comprehensive coverage provides compensation for damage to or loss of your commercial vehicles caused by fire, wind, hail, lightning, smoke, theft, vandalism and more.&nbsp;<\/p>\n<p><strong>Does Commercial Auto Insurance Cover Employee Theft?&nbsp;<\/strong><\/p>\n<p>So, comprehensive coverage in a <a href=\"https:\/\/www.myguardianinsurance.com\/business\/commercial_auto_quote.aspx\">commercial auto insurance policy<\/a> covers theft, but what if it&rsquo;s an employee who&rsquo;s responsible for the theft? Some employees may refuse to return company vehicles until certain demands are met, especially if said employee was recently fired. If an employee suddenly drives off with a company vehicle and refuses to return it, contact the police and open an investigation. Your <a href=\"https:\/\/www.myguardianinsurance.com\/business\/commercial_auto_quote.aspx\">commercial auto insurance<\/a> should cover such an incident involving theft, but it&rsquo;s best to check with your insurance agency about the extent of your policy.&nbsp;<\/p>\n<p><strong>How to Avoid Commercial Vehicle Theft&nbsp;<\/strong><\/p>\n<p>Take precautions to avoid having to file a commercial car insurance claim due to theft.&nbsp;<\/p>\n<div class=\"SCXW266378071 BCX0\" style=\"background-color: #ffffff; margin: 0px; padding: 0px;\">\n<div class=\"ListContainerWrapper SCXW266378071 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ul class=\"BulletListStyle1 SCXW266378071 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW266378071\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW266378071 BCX0\" paraid=\"2117924081\" paraeid=\"{cd554595-70d6-41fd-bc14-12698b5247ed}{228}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW266378071 BCX0\" style=\"margin: 0px; padding: 0px;\">Add GPS tracking to every company&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW266378071 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2 SCXW266378071 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px; border-bottom: 1px solid transparent;\">vehicle<\/span><\/span><span class=\"EOP SCXW266378071 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW266378071\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW266378071 BCX0\" paraid=\"59623936\" paraeid=\"{cd554595-70d6-41fd-bc14-12698b5247ed}{235}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW266378071 BCX0\" style=\"margin: 0px; padding: 0px;\">Have set rules on when an employee can use the company vehicle and who can drive. Have these rules posted where every employee can easily access and see.<\/span><span class=\"EOP SCXW266378071 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"SCXW266378071 BCX0\" style=\"background-color: #ffffff; margin: 0px; padding: 0px;\">\n<div class=\"ListContainerWrapper SCXW266378071 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ul class=\"BulletListStyle1 SCXW266378071 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW266378071\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW266378071 BCX0\" paraid=\"1904938146\" paraeid=\"{cd554595-70d6-41fd-bc14-12698b5247ed}{240}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW266378071 BCX0\" style=\"margin: 0px; padding: 0px;\">Purchase an adequate amount of liability insurance to cover employee&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW266378071 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2 SCXW266378071 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px; border-bottom: 1px solid transparent;\">actions<\/span><\/span><span class=\"EOP SCXW266378071 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW266378071\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW266378071 BCX0\" paraid=\"2121304640\" paraeid=\"{cd554595-70d6-41fd-bc14-12698b5247ed}{247}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW266378071 BCX0\" style=\"margin: 0px; padding: 0px;\">Have employees sign policies agreeing to use limits of company&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW266378071 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2 SCXW266378071 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px; border-bottom: 1px solid transparent;\">vehicles<\/span><\/span><span class=\"EOP SCXW266378071 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>\n<a href=\"https:\/\/www.myguardianinsurance.com\/business\/commercial_auto_quote.aspx\">Commercial auto insurance<\/a> claims may be denied if an incident is ruled as negligence on behalf of the business.&nbsp;<\/p>\n<p><strong>What Else Does Commercial Auto Insurance Cover?&nbsp;<\/strong><\/p>\n<p><a href=\"https:\/\/www.myguardianinsurance.com\/business\/commercial_auto_quote.aspx\">Commercial auto insurance policies<\/a> may also include:&nbsp;<\/p>\n<ul class=\"BulletListStyle1 SCXW123829800 BCX0\" role=\"list\" style=\"background-color: #ffffff; margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW123829800\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW123829800 BCX0\" paraid=\"1009528214\" paraeid=\"{67ca1521-78f8-4014-9a1f-4647d3eb7697}{13}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>Collision Coverage<\/strong><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>:<\/strong><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\">&nbsp;This coverage provides compensation for damages that occur due to a collision with another vehicle or object.<\/span><span class=\"EOP SCXW123829800 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW123829800\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW123829800 BCX0\" paraid=\"98411685\" paraeid=\"{67ca1521-78f8-4014-9a1f-4647d3eb7697}{24}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>Bodily Injury Liability<\/strong><\/span><strong><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\">:<\/span><\/strong><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>&nbsp;<\/strong>Bodily injury liability is required by most states and provides medical compensation for the other driver and their passengers if you cause an accident.<\/span><span class=\"EOP SCXW123829800 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW123829800\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW123829800 BCX0\" paraid=\"587331214\" paraeid=\"{67ca1521-78f8-4014-9a1f-4647d3eb7697}{35}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>Property Damage Liability<\/strong><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>:<\/strong><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\">&nbsp;This coverage is also required by most states and helps pay for property damage you may cause while operating the insured vehicle.<\/span><span class=\"EOP SCXW123829800 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"4\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW123829800\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW123829800 BCX0\" paraid=\"492595788\" paraeid=\"{67ca1521-78f8-4014-9a1f-4647d3eb7697}{46}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>Uninsured\/Underinsured Motorist<\/strong><\/span><strong><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\">:<\/span><\/strong><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>&nbsp;<\/strong>Uninsured and underinsured motorist coverage helps pay for damages if you crash with a driver who&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\">doesn&rsquo;t<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\">&nbsp;carry an adequate amount of car insurance.<\/span><span class=\"EOP SCXW123829800 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"5\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW123829800\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW123829800 BCX0\" paraid=\"2103881404\" paraeid=\"{67ca1521-78f8-4014-9a1f-4647d3eb7697}{61}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>Personal Injury Protection<\/strong><\/span><strong><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\">:<\/span><\/strong><span data-contrast=\"auto\" class=\"TextRun SCXW123829800 BCX0\" style=\"margin: 0px; padding: 0px;\"><strong>&nbsp;<\/strong>Personal injury protection helps with medical expenses for the driver and their passengers no matter who caused the accident.<\/span><span class=\"EOP SCXW123829800 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Commercial auto insurance provides coverage for a wide variety of incidents, but it can&rsquo;t cover everything. There are different types [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":533,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":null,"_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[],"tags":[42,43,38,31,44,37],"class_list":["post-532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-auto","tag-collision","tag-commercial","tag-coverage","tag-damage","tag-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/posts\/532","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=532"}],"version-history":[{"count":0,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/posts\/532\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/media\/533"}],"wp:attachment":[{"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=532"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/categories?post=532"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/tags?post=532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}