Staffing Owned Auto Liability Insurance 

The importance of maintaining appropriate insurance coverage particularly applies to staffing agencies and businesses using their services. This includes having proper Owned Auto Liability insurance – a Commercial Auto policy – if the firm owns one or a fleet of vehicles and if transport is offered using company-owned cars.

Commercial Auto insurance covers vehicles such as cars, trucks, vans and commercial use trailers. It offers the business protection against the financial impact resulting from:

  • Damage or loss of business vehicles
  • Damage the insured or its drivers cause to vehicles or property owned by others
  • Injury or death of drivers

If the staffing firm has five or more commercial vehicles, insuring the vehicles under one fleet insurance policy can be less expensive than insuring each one individually. Fleet insurance provides the same coverage and offers some added flexibility in that company employees can drive any vehicle in the fleet, as long as each employee is licensed.

World Wide’s Owned Auto Liability Insurance for Staffing Industry

Our Owned Auto Liability policy covers the vehicles owned by the staffing firm for liability, property damage, medical payments, uninsured/underinsured motorists coverage, comprehensive and collision insurance.

Submission Requirements:

  • World Wide Specialty Programs Auto Liability Application
    or
    ACORD Application – Business Auto Section Completed

    • Drivers – name and license #’s.
    • Carrier guideline restrictions apply regarding violations which may preclude coverage from being offered;
    • Carrier guideline requirement – minimum age & driver experience.
    • Full physical address including the street of garaged location – all vehicles – where kept overnight.
    • Vehicles not classified as sedans – need an explanation of usage.
    • Vehicle Value – if Physical Damage requested.
      • Vans or other vehicles utilized for transporting employees – identify and provide detail on driver selection. Commercial auto rates will apply if quoting.
        Important: 
      • Vehicles valued at 100K+ require $5K deductible and carrier approval.
      • $500K+ garaged at one location – carrier referral.
      • High valued vehicles/specialty vehicles – carrier referral. Coverage will not be considered solely for those vehicles.
  • All vehicles must be owned by the Named Insured.
  • Currently Valued-3 Years’ Carrier Loss Runs.
  • Copy of Insureds Current Commercial Auto Policy.
  • Copy of Employee Manual or Employee Handbook.