Any Auto coverage extends Liability insurance to hired and other non-owned vehicles, and vehicles you purchase during your policy term.
Any auto coverage exceptions and restrictions
In order to purchase Any Auto coverage, you need to have a contractual agreement stating that you need this type of coverage.
It's important to note that Any Auto coverage can't be purchased if you have Hired Auto or Employer's Non-Ownership coverage, and Any Auto coverage doesn't include Physical Damage coverage, such as Collision or Comprehensive.
Any Auto coverage only extends coverage to recently purchased vehicles until the end of your current policy term. When you receive your renewal quote, you or your agent will need to contact Progressive to update your listed vehicles on your policy to ensure they have Liability coverage.
Who needs any auto coverage?
Many small businesses are required by their customers to carry insurance that covers all owned, hired, and non-owned vehicles. Businesses that are eligible for Any Auto coverage include:
- Construction/trade contractors
- General contractors
- Other select business types
Any auto coverage example
You're a general contractor with a commercial auto insurance policy for your vehicles. Before it's time to renew your policy, you buy a new truck, forget to tell your insurance company, and then get into an accident.
Your commercial auto insurance policy would normally cover this liability if the accident happened within 30 days of buying the truck, but the accident happened 60 days after you bought the truck.
In this situation, your Any Auto coverage could provide Liability coverage for the unlisted vehicle.
Exceptions and restrictions
Any Auto coverage may not be available in all states or situations. Your coverages may differ from the examples above. Refer to your policy or contact us to learn more about coverages specific to your situation.