Commercial Auto: Is Aftermarket Covered?

Commercial Auto: Is Aftermarket Covered?
August 13, 2019 Austin Reed

Applying a vehicle wrap to your security guard patrol vehicle is a great way to promote your business and brand your company. But, is the wrap covered by your commercial auto insurance company if it is damaged or if the vehicle is stolen? Branding your patrol vehicle with a wrap is an after-market accessory. You need to make your insurance broker aware of any aftermarket add on to a patrol vehicle, especially when the add-on exceeds a certain dollar value.

You can increase the replacement cost of the vehicle to include the wrap and other equipment added after the purchase. This way the additional money spent on the patrol vehicle will not be lost if damaged or stolen. If the aftermarket add on is not disclosed, any claim made to the auto insurance carrier can be denied because it wasn’t accounted for on the policy. In that case, you are on the hook for paying out of pocket.

It is always best to make a quick call to your trusted insurance broker with any questions you may have. The old saying “Better safe than sorry” always applies when it comes to insurance.