Commercial Auto & Trucking Insurance
From single service vans to full fleets and regional trucking operations, we provide coverage that keeps your business road-ready. Policies are built to meet contract requirements so you can stay compliant and keep hauling without interruption.
We align coverage with the type of work you do, from local deliveries to long-haul trucking. Drivers, vehicles, and regulatory filings are matched to your operations for smooth compliance and reliable protection.
What We Help You With:
AUTO LIABILITY, COMP & COLLISION →
Core protection for business vehicles, covering accidents, injuries, and damage you’re responsible for. Comprehensive and collision also help repair or replace your vehicles after theft, weather, or crash losses.
HIRED/NON-OWNED AUTO →
Provides liability coverage when employees use personal cars or rented vehicles for business purposes. This protection fills the gap so your company isn’t exposed to unexpected claims.
CARGO & REEFER BREAKDOWN →
Covers goods in transit for eligible hauling classes, protecting against theft, damage, or loss. For refrigerated loads, reefer breakdown coverage adds protection if temperature control fails.
FILINGS & COIs →
We handle DOT and state filings, plus fast Certificates of Insurance for contracts and shippers. That means less paperwork hassle and fewer delays getting on the road.
SAFETY & DRIVER GUIDANCE →
Support with MVR reviews, driver standards, and loss control programs helps reduce risks before they happen. Guidance keeps your drivers safer and your insurance costs more manageable.
Commercial Auto FAQ
Do I need HNOA?
If employees ever use personal cars for business—yes.
How do driver records affect rates?
Clean MVRs matter. We’ll set driver standards and help screen.
Is cargo coverage required?
Shippers often require it. We’ll match forms/limits to contracts.
What deductibles make sense?
Higher deductibles lower premium; we’ll model total cost of risk.
Can I insure mixed fleets?
Yes—light/medium trucks, vans, and private passenger autos on one policy when eligible.