Commercial Auto Liability
Standard coverages and limits
Bodily Injury & Property Damage Liability – Covers injuries to others and damage to their property when the business is legally responsible
Uninsured/Underinsured Motorist – Protects against drivers who have no insurance or insufficient limits
Medical Payments / PIP – Covers medical expenses for drivers and passengers, depending on the state
Comprehensive Coverage – Covers non-collision losses such as theft, vandalism, fire, weather, and animal strikes
Collision Coverage – Covers damage to the insured vehicle from a collision
Typical Liability Limits – Often written at $500,000 or $1 million combined single limit, but requirements vary by business, vehicle type, contracts, and state
Annual premiums start from $1,800.00. Higher limits are available
Common Endorsements / Optional Coverages
Hired & Non-Owned Auto (HNOA) – Coverage for vehicles the business rents, leases, or employees use for business purposes
Rental Reimbursement – Helps pay for a temporary replacement vehicle after a covered loss
Additional Insured / Additional Interest – May be required by contracts, lenders, or customers.
Broader Physical Damage Coverage – Options may be available for specialized or higher-value vehicles/equipment
Roadside Assistance / Towing & Labor – Helps cover towing and certain roadside expenses
Cost Factors & How Pricing Works
Vehicle type & value; Business location
Vehicle Use; Number of vehicles & drivers
Claims history, Industry / Business operations
Coverage limits
Who Needs Commercial Auto Insurance?
Businesses that own or register vehicles in the business name
Companies using vehicles primarily for business purposes
Contractors, delivery and service, transportation, hauling, and trucking businesses
Businesses with employees who regularly drive for work
Businesses with multiple vehicles or a fleet