Your commercial auto policy probably doesn't cover your sub's truck, a rental box truck, or your employee's personal car when they're running parts. Here's exactly what's missing — and how to fix it before the lawsuit hits.

AR roofing is one of the highest-rated commercial auto classes — but most of what drives the premium is controllable. Here are the five variables that matter most, the two coverages most AR roofer policies are missing, and how to position yourself before storm season tightens underwriting.