Commercial AutoLiability Insurance
Protect your business with federally compliant commercial auto liability insurance. From DOT minimum requirements to enhanced protection, we ensure your commercial vehicles meet all legal requirements while safeguarding your business assets.
Is Your Coverage Optimized for Your Business?
Many carriers operate with inadequate liability coverage or gaps in protection that can significantly increase premiums and expose their business to unnecessary risk. Our consultative approach ensures your policy is tailored to your specific operations, helping you maintain compliance while controlling costs.
Common Coverage Issues We Address:
- Insufficient liability limits leading to higher premiums at renewal
- Coverage gaps that leave your business exposed to claims
Coverage Requirements by Business Type
Different commercial operations have varying liability requirements based on federal regulations, cargo types, and operational risks.
Interstate Trucking
high riskLong-haul and regional carriers operating across state lines
Local Delivery
moderate riskLast-mile delivery services and local freight operations
Construction Contractors
moderate riskContractors using trucks and commercial vehicles for job sites
Service Companies
standard riskPlumbing, electrical, HVAC, and maintenance service vehicles
Food Service
moderate riskRestaurants, catering, and food truck operations
Hazmat Transport
high riskCarriers transporting hazardous materials and regulated substances
What Commercial Auto Liability Insurance Covers
Comprehensive liability protection includes both core required coverages and optional enhancements to protect your business from financial loss.
Bodily Injury Liability
RequiredCovers medical expenses, lost wages, rehabilitation, and legal costs when your vehicle injures others.
- Medical and hospital expenses
- Rehabilitation and therapy costs
- Lost wages and earning capacity
- Pain and suffering damages
- Legal defense and court costs
Property Damage Liability
RequiredProtects against damage to other vehicles, buildings, cargo, and property caused by your commercial vehicle.
- Vehicle repair and replacement
- Building and structure damage
- Cargo and freight losses
- Infrastructure and road damage
- Legal defense coverage
Uninsured/Underinsured Motorist Coverage
OptionalProtection when accidents involve drivers with insufficient or no liability insurance coverage.
- Bodily injury from uninsured drivers
- Property damage protection
- Hit-and-run incident coverage
- Underinsured motorist protection
Medical Payments Coverage
OptionalNo-fault medical coverage for your drivers and passengers regardless of accident responsibility.
- Immediate medical expense coverage
- No-fault protection
- Driver and passenger coverage
- Ambulance and emergency care
Federal and State Liability Requirements
Stay compliant with all DOT and state requirements while protecting your business from costly liability claims.
Interstate Commerce
FMCSA requires minimum $750,000 liability for interstate commercial operations.
Hazardous Materials
Carriers transporting hazmat require significantly higher liability limits.
State Minimums
Each state has minimum liability requirements for commercial vehicle operations.
Shipper Requirements
Many shippers and brokers require higher limits than federal minimums.
Commercial Auto Liability Insurance FAQ
Common questions about commercial auto liability coverage, requirements, and costs
Get DOT CompliantLiability Coverage Today
Don't risk operating without proper liability protection. Our commercial auto liability insurance ensures DOT compliance while protecting your business from costly claims and legal expenses.
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Fast, competitive liability insurance quotes