Built around the exposure
Coverage is only useful when it fits the way you operate.
Commercial auto programs protect vehicles used for business and the liability exposures created by drivers on the road. Fleet composition, radius, vehicle use, and driver controls all influence the program.
Discuss this coverageWho typically needs it
- Businesses with owned vehicles
- Delivery and transportation companies
- Contractors with service fleets
What it can address
- Auto liability
- Physical damage
- Uninsured or underinsured motorists
- Hired and non-owned auto exposures
Important considerations
- Driver records and controls
- Vehicle schedules
- Operating radius
- Telematics and loss history
Common questions
A clearer starting point.
Is commercial auto required?+
Requirements vary by state, contract, industry, and the way your business operates. We can help you identify the requirements that may apply before approaching insurance markets.
How are limits and pricing determined?+
Insurers consider factors such as operations, size, location, loss history, controls, requested limits, and policy structure. A complete submission helps underwriters evaluate the account accurately.
Can this coordinate with our other policies?+
Often, yes. Reviewing the full insurance program can identify overlaps, gaps, inconsistent dates, or underlying-limit requirements that should be addressed together.
Coverage availability, terms, conditions, exclusions, and pricing vary by insurer and underwriting. This information is general and is not a representation of coverage under any specific policy.