What is Draftsmen - Business Auto?
Draftsmen - Business Auto insurance is commercial auto coverage designed for drafting professionals and businesses that use vehicles for work. This can include architects, designers, drafters, and related trades that travel to job sites, client meetings, or supply houses as part of their daily operations.
Unlike personal auto insurance, business auto coverage is built to protect vehicles used primarily for business purposes. It helps cover the financial impact of accidents, damage, or injury involving your business-owned or leased vehicles.
Who needs Draftsmen - Business Auto insurance?
You may need business auto insurance if you are a draftsman or drafting-related business that:
- Owns, leases, or finances vehicles in the business name
- Uses personal vehicles regularly for business tasks, such as visiting job sites or clients
- Transports tools, equipment, plans, or materials to and from worksites
- Has employees who drive company vehicles or use their own vehicles for work
- Operates vans, pickups, or small trucks for deliveries or field visits
Even a single vehicle used frequently for business can create risks that personal auto policies may not fully cover.
What it typically covers
Draftsmen - Business Auto policies can be tailored, but they commonly include:
- Liability coverage – Helps pay for bodily injury and property damage to others if your business is at fault in an auto accident.
- Collision coverage – Helps pay to repair or replace your covered vehicle if it is damaged in a collision with another vehicle or object.
- Comprehensive coverage – Helps cover damage to your vehicle from non-collision events like theft, vandalism, fire, or certain weather events.
- Uninsured/underinsured motorist coverage – May help if you or your employees are injured by a driver who has too little or no insurance.
- Medical payments or personal injury protection (PIP) – In some states, can help with medical expenses for you and your passengers after a covered accident.
- Hired and non-owned auto coverage – Optional coverage that may apply when employees use personal vehicles or rented vehicles for business purposes.
Common exclusions and limitations
As with all insurance, business auto policies have exclusions and limits. Common examples can include:
- Intentional damage or criminal acts by the insured
- Use of vehicles for certain high-risk activities not listed on the policy
- Coverage for drivers who are not disclosed or do not meet underwriting guidelines
- Mechanical breakdowns or routine wear and tear
- Using personal vehicles for business without proper endorsements or coverage
Policy terms vary by insurer and state. Review your policy documents for details about what is and is not covered.
Factors that influence cost
The cost of Draftsmen - Business Auto insurance depends on several factors, such as:
- Type and number of vehicles – Sedans, pickups, vans, and light trucks may be rated differently, and more vehicles usually mean higher total premium.
- Vehicle use – How often and how far vehicles are driven, and whether they visit job sites or carry equipment.
- Driving records – Claims history and motor vehicle records for you and any listed drivers.
- Coverage limits and deductibles – Higher limits and lower deductibles generally increase the cost.
- Location – Where the vehicles are garaged and operated, including local traffic, theft, and accident trends.
- Business operations – The nature of your drafting or design work and any related field activities.
Proof of insurance and compliance
Many clients, general contractors, and landlords require proof of business auto insurance before allowing access to job sites or signing contracts. Lenders may also require coverage if a vehicle is financed or leased.
States have minimum auto liability insurance requirements for vehicles operated on public roads. Business auto policies are designed to help meet these financial responsibility laws, but specific requirements vary by state and situation. Always review your policy and consult a licensed insurance professional if you have questions about compliance.
How to get a quote
To request a Draftsmen - Business Auto quote, be prepared to share basic details about your business, drivers, and vehicles, including how the vehicles are used for work. This information helps match coverage options to your needs.
Get a business auto insurance quote for your drafting business.
Frequently Asked Questions
Do I need business auto insurance if I use my personal car for drafting work?
If you regularly drive your personal vehicle for business tasks—such as visiting clients, job sites, or suppliers—your personal auto policy may not fully cover business-related accidents. A business auto policy or a specific endorsement may be needed for proper protection.
Are my tools and drafting equipment in the vehicle covered?
Business auto insurance generally focuses on the vehicle and liability, not the tools or equipment inside it. Coverage for tools and equipment is often handled under a separate inland marine or business property policy. Check your policy or speak with an agent about how your equipment is insured.
Can employees drive my business vehicles?
Employees can typically drive covered vehicles if they meet your insurer’s driver eligibility guidelines and are properly listed or permitted on the policy. You should disclose all regular drivers to your insurer so they can be underwritten correctly.
Is rental car use for business covered?
Coverage for rented vehicles depends on your policy. Some business auto policies include or can add hired auto coverage, which may apply when you rent vehicles for business use. Always confirm your coverage before renting.
How often should I review my business auto coverage?
It is a good idea to review your coverage at least once a year, or whenever you add or remove vehicles, hire new drivers, expand services, or change how you use vehicles for your drafting business.
Still have questions? Talk to a local insurance expert.