Does a commercial auto policy cover custom equipment?

Commercial-auto-picWeather you run a flower shop or you’re a tile contractor you should have a commercial auto policy to cover you in the event of an accident during business use, but what about your equipment? Is coverage automatically extended to your vans fridge, trucks ladder racks, or cars custom stereo system?

Unfortunately most policies DO NOT include coverage for custom equipment unless requested. Your agent should have asked if you have any extra equipment on the vehicle in question.

Some carriers only provide coverage for equipment that is “bolted down” or “permanently attached” so you may want to ask your agent about the technicalities your carrier has with this type of coverage.

The cost to add custom equipment coverage to your current policy I’ve personally seen as low as a $2 dollars more per month. Get in touch with your insurance carrier today and ask how much it’ll cost you.

Would you like a quick quote on your California commercial auto policy? We insure owner operators and fleets up to 50, get in touch with our insurance brokers today!

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