Adding a New Driver to a Commercial Auto Policy 

When your business grows or your team changes, you may need to add a new driver to your commercial auto policy. Keeping your commercial auto insurance up to date is essential for financially protecting your vehicles, employees, and business assets. Our team at Moore and Moore Insurance is here to guide you through the process and help you understand what’s required.

Understanding the Process

Adding a new driver to your commercial auto insurance isn’t as simple as handing over the keys. Insurance carriers require specific information to assess the risk and ensure your policy remains accurate. Typically, you’ll need to provide:

• The driver’s full name and date of birth
• A valid driver’s license number
• Driving history, including any accidents or violations
• Employment status and driving responsibilities within your business

Once you submit this information, your insurer will review the driver’s eligibility and determine if any changes to your premium or coverage are necessary.

Requirements and Best Practices

Insurers may have guidelines regarding driver eligibility, such as minimum age, experience, and driving record standards. It’s important to:

• Verify that the new driver meets your insurer’s requirements.
• Review your policy for any restrictions on who can operate your vehicles.
• Notify your insurance provider before the driver begins operating company vehicles.

Best practices include conducting your own background checks and maintaining clear records of all drivers covered under your policy. This helps minimize risk and ensures compliance with both state and insurer guidelines.

Why Timely Updates Matter

Failing to update your commercial auto policy when adding a new driver can lead to denied claims or gaps in coverage. Keeping your policy current protects your business from unexpected costs and liability.

Contact Moore and Moore Insurance today to add new drivers or review your policy details.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.