Commercial Auto Insurance for commercial landlords

Hired auto covers rental vehicles; non-owned auto covers employees driving their own personal vehicles for your business. If any maintenance staff or manager runs property errands in their own car, you want non-owned coverage — it protects your business when their personal policy falls short.

Liability for an at-fault crash is covered, but the cargo (tools, parts, equipment) generally is not. Tools are an inland marine / tools-and-equipment matter. We coordinate both so the vehicle and its contents are each properly insured.

Yes. Any vehicle used to service the property — a maintenance truck, a groundskeeping trailer, a service van — needs commercial coverage. We schedule the vehicles and make sure each is properly rated for property-work use.

Premium is based on the vehicles (type, value, use), drivers (records and experience), and radius of operation. Clean driving records and accurate vehicle scheduling keep the cost down.

Commercial auto covers at-fault liability and physical damage for company vehicles. We respond fast, coordinate the claim, and get the vehicle repaired or replaced so the maintenance operation keeps moving.

Both. Whether you run a single service truck or a fleet of maintenance vehicles across multiple properties, we structure a commercial auto program that covers every vehicle and driver.

Yes — that's exactly the business-use exposure commercial auto is designed for. Personal auto routinely denies claims from driving between job sites or properties; commercial auto covers it as a matter of course.

Most commercial building owners pay $750–$2,500 a year for base Lessor's Risk Only, with the full program (LRO, property, equipment breakdown, umbrella) running $2,500–$9,000. Cost depends on building value, construction, tenant mix, and location. We quote the full program in about 15 minutes.

Yes. Contractors Choice Agency is licensed in all 50 states and writes lessor's-risk and commercial property programs from the Sun Belt and Texas to the Northeast, Midwest, and West Coast.

About 15 minutes for a standard program. Once bound, we turn around certificates of insurance and additional-insured endorsements for lenders, tenants, and partners — usually within minutes.

LH-1 is the ISO class code for a Lessor's Risk Only building — a commercial property leased to tenants where the owner's only occupancy is as a landlord. Correct LH-1 classification keeps premium fair and ensures claims aren't denied for misclassification.

Yes — that is the central purpose of Lessor's Risk Only. If a tenant's operations cause a fire that damages the building or other tenants, LRO covers the owner's property loss and liability. Generic policies often mishandle this exact exposure.

Standard commercial property excludes internal breakdown. We add equipment-breakdown (boiler & machinery) coverage so failed HVAC, boilers, chillers, elevators, and electrical panels are covered, including the resulting business-interruption loss.

Most carry $1M/$2M on liability with a $2M–$5M umbrella, and property limits equal to the building's full replacement cost. We size limits to your building value, tenant exposure, and lender requirements.

If you or your maintenance crew drive company vehicles between properties, yes — personal auto excludes business use. We also add hired/non-owned coverage if employees drive personal vehicles for property work.

Often, yes. We have excess-and-surplus (E&S) and specialty markets for buildings with loss runs, high-hazard tenant mixes, older construction, or other exposures that standard markets decline.

Yes — your lease should require every tenant to carry general liability and name the building owner additional insured on a primary, non-contributory basis. We provide a sample lease clause and help track certificates.

You reach a person with context, not a queue. We respond within 2 hours, help you document the loss, and manage the claim with the carrier so it's paid correctly and your building keeps operating.

Commercial property leased to tenants has a specific risk profile that generic carriers exclude or misprice. A specialty broker knows the LH-1 class code, the markets that write each tenant mix, and how to manage a tenant-caused claim.