Auto Liability Insurance for Commercial Fleets
Comprehensive protection for bodily injury and property damage with coverage limits up to $1M CSL. Get same-day coverage and earn safe driver discounts based on verified performance.
What is Auto Liability Coverage?
Auto Liability insurance protects your business when your commercial vehicles cause bodily injury or property damage to others. This coverage is federally mandated for commercial motor carriers and provides financial protection against claims, lawsuits, and legal expenses.
What's Covered
Why Choose Cover Whale for Auto Liability
Technology-driven underwriting and real-time risk monitoring deliver better coverage and lower costs
Federal & State Compliance
Meet all FMCSA requirements and state-specific regulations with coverage limits up to $1M CSL.
Safe Driver Discounts
Reward your safe drivers with competitive rates through DriveSmart monitoring and verified performance.
Fast Bind Times
Get your fleet covered in under 18 minutes on average. No more waiting days or weeks for coverage.
Admitted & Non-Admitted Options
Coverage available across 40+ states with both admitted and non-admitted options to fit your needs.
Auto Liability Guidelines
Our underwriting standards and eligibility requirements
Safety Discount: Premium savings for safe driving based on verified performance
Fleet Size: Targeting 1-25 power units at bind
Growth Allowance: 2 additional power units per quarter allowed above the original cap of 25 units
Technology Required: Dashcam or ELD connection required for driver safety coaching and accurate claim dispute resolution
Experience: 2 years minimum driving experience with like vehicle
Vehicle Classes: Class 2 through 8 available - including hotshots
Scheduling: All drivers and vehicles must be scheduled to extend coverage
Vehicle Age: Tractors and trailers must be newer than 23 years old
Non-Admitted States: AL, AR, AZ, CA, CO, DE, FL, GA, IA, ID, IN, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, OH, OK, OR, PA, RI, SD, TN, TX, UT, VA, VT, WA, and WV
Admitted States: FL, GA, IL, NC, NM, NV, OH, SC, and WI with more coming soon!
How DriveSmart Reduces Your Auto Liability Risk
Our continuous underwriting platform monitors your fleet 24/7, identifying risky behaviors before they become claims. Real-time driver coaching and automated endorsements keep your coverage accurate and your premiums competitive.
Proactive Risk Detection: 200+ automated checks daily identify speeding, harsh braking, and unsafe driving patterns
Instant Coaching: Drivers receive real-time feedback and personalized safety training to prevent accidents
Lower Premiums: Safe fleets earn premium savings based on verified performance data
Ready to Get Auto Liability Coverage?
Get a quote in minutes and see how Cover Whale can protect your fleet with competitive rates and superior service.