Keep your fleet moving.
Who it's for
Fleets, contractors, delivery operations, and owner-operators.
From a single work truck to a hundred-vehicle fleet, we structure commercial auto programs that scale with your business.
We handle DOT filings, MCS-90s, and certificate management so your operations team stays focused on the road.
Hired and non-owned auto endorsements protect you when employees use their own vehicles for work.
Key benefits
Commercial Auto policies look similar to personal auto — but the limits, exposures, and endorsements are very different.
Injuries and damage your drivers cause to others.
Pays for bodily injury and property damage caused by your business vehicles. Commercial limits run much higher than personal — $1M combined single limit is the standard floor for most contracts and DOT filings.
Coverage when employees use rentals or personal cars for work.
Hired Auto covers vehicles you rent or lease. Non-Owned Auto covers employees driving their own cars on company business. Without these endorsements, a personal-policy denial can leave your business directly exposed.
Repairs your vehicles after an accident.
Pays to repair or replace your vehicles after a collision, regardless of fault. Often required by lenders and lessors on financed equipment.
Theft, vandalism, weather, fire damage.
Covers non-collision losses to your vehicles: theft, vandalism, hail, fire, falling objects, and animal strikes. Critical for trucks parked on job sites or overnight.
Protects your drivers from drivers without coverage.
Pays for injuries to your drivers and damage to your vehicles when an at-fault driver has no — or insufficient — insurance. A required offer in Washington.
Medical bills for your drivers and passengers.
Covers medical expenses for your drivers and any passengers in your vehicles after an accident, regardless of fault. Speeds up treatment and reduces friction with workers' comp.
Federal/state filings for regulated carriers.
If you operate as a for-hire motor carrier across state lines, you'll need federal filings like the MCS-90. We handle the paperwork and ensure your filings stay current with FMCSA and state DOTs.
Coverage for what your trucks tow and carry.
Add coverage for owned trailers, rented trailers, and on-board mobile equipment (compressors, generators, attachments). Cargo coverage is typically a separate policy — we'll let you know when you need one.
We'll walk you through it and build a policy that actually fits — no jargon, no upselling.
