Commercial Auto Coverages
Comprehensive protection for your fleet with flexible coverage options designed for commercial trucking operations.
Products Available
Comprehensive protection options designed for commercial trucking operations
Automobile Liability
Provides coverage for damage to people and property you are financially responsible for.
- Limit up to $1M (CSL)
- Federal & state filings offered
- Admitted options available
Physical Damage
Covers damage to scheduled trucks, tractors, and trailers.
- Comprehensive and collision coverage
- Non-owned trailer & trailer interchange coverage available
- Towing and storage included
Motor Truck Cargo
Covers cargo in your possession that you are hauling.
- Limits up to $250,000
- Refrigeration coverage available
- Broad form for wide range of covered commodities
Truckers General Liability
Covers injuries or property damage from business activities not directly related to operating your truck.
- Personal and advertising injury coverage — libel, slander and defamation
- Medical payments for bodily injury by a trucker to another party
- Coverage for driver actions while representing the insured on premises of others
Non-Trucking Liability
Covers independent semi drivers outside the scope of their lease agreement with the motor carrier.
- Provides liability coverage required while an owner/operator is not operating under dispatch of a motor carrier
- Coverage for bobtailing, commuting, and deadheading when not under dispatch
- Designed for owner-operators with limits that align with primary auto liability
Roadside Assistance
24/7 emergency roadside assistance to keep your fleet moving and minimize downtime.
- 24/7 nationwide coverage and dispatch
- Towing, tire changes, jump starts, and lockout service
- Fuel delivery and minor mechanical repairs
Coverage Guidelines
Our underwriting standards and requirements for commercial auto insurance
Auto Liability Guidelines
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!
Auto Physical Damage, Motor Truck Cargo, Non-Trucking Liability & General Liability Guidelines
Fleet Size: Targeting 1-75 power units
Flexibility: Risks can be written as a package or on a standalone basis
Experience: 2 years minimum driving experience with like vehicle
Vehicle Age: Tractors and trailers must be newer than 23 years old
Refrigeration: Breakdown coverage available if trailers are less than ten years old
Towing & Storage: $7,500 limit included with options up to $25,000
Ineligible Operations
The following operations are not eligible for coverage: