Auto Liability Insurance for Commercial Fleets
Protection for bodily injury and property damage with coverage limits up to $1M CSL. Verified safer performance may support renewal savings, subject to eligibility.
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
Connected driving data helps inform underwriting review and fleet safety coaching
Federal & State Compliance
Meet all FMCSA requirements and state-specific regulations with coverage limits up to $1M CSL.
Potential Renewal Savings
Verified safer performance may support renewal savings, subject to eligibility.
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
Potential Renewal Savings: Verified safer performance may support savings, subject to eligibility
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
DriveSmart Connection: Connect an approved ELD or camera, including an eligible device you already use; a dual-facing camera is not required
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
DriveSmart reviews connected driving data to identify patterns that may call for coaching or underwriting review. This helps fleets address risk throughout the policy term.
Proactive Risk Detection: 200+ automated checks daily identify speeding, harsh braking, and unsafe driving patterns
Driver Coaching: Detected driving patterns can prompt practical safety outreach
Potential Savings: Verified safer performance may support renewal savings, subject to eligibility
Ready to Get Auto Liability Coverage?
Cover Whale is exclusively available through licensed insurance agents and brokers. Ask your agent or broker about Cover Whale's competitive rates, fast quotes, and DriveSmart technology.