Coverage Guide
Commercial Auto Coverage
Essential coverage types for business vehicles.
Liability
Covers injuries and property damage you cause to others. Required in all states.
Collision
Pays to repair/replace your vehicle after an accident, regardless of fault.
Comprehensive
Covers theft, vandalism, weather, fire, and non-collision damage.
Uninsured/Underinsured
Protects you when the at-fault driver has no or insufficient coverage.
Medical Payments
Covers medical expenses for driver and passengers regardless of fault.
Hired/Non-Owned Auto
Covers rentals and employee personal vehicles used for business.
DOT / FMCSA Requirements
Interstate trucking requires $750,000 minimum liability. Hazmat carriers need $1M-$5M. Get proper authority before operating.