Does Commercial Auto Insurance Cover Trailers?

The illustrative ISO Business Auto Coverage Form extends liability coverage to certain trailers with a load capacity of 2,000 pounds or less designed primarily for public roads when covered auto liability applies. That is a form-specific example, not a universal rule for all trailers or all coverages. The form also treats trailer physical damage differently from liability arising from towing.

A heavier or specialized trailer may need to be scheduled, and a trailer used as equipment or for a business-specific operation can raise classification questions. Physical damage to the trailer is not established just because liability coverage follows a covered towing auto.

Give the insurer the trailer’s VIN, ownership, value, load capacity, use, and towing vehicles. Check whether the declarations list the trailer or use a symbol that includes it, whether collision and comprehensive apply, and whether attached equipment or cargo needs separate coverage.