COMMERCIAL AUTO LIABILITY
Comprehensive protection for your commercial vehicles with coverage that meets federal requirements and industry standards.
What is Commercial Auto Liability Insurance
Commercial Auto Liability covers both bodily injuries and property damage done to others.
While the minimum required limit mandated by federal agencies is $750,000, many brokers
and shippers require a limit of $ 1 million. A higher limit can offer additional protection.
Please note, hazmat or specialized operations may require higher limits.
Recommended Coverage
The required federal limit is $750,000 to activate and maintain an authority. An Auto Liability limit of $1 million can help meet the requirements of brokers and shippers who often require higher limits. Intrastate motor carriers must meet the minimum Auto Liability limits set within their domiciled state.
Coverage Types Under Auto Lability
Motorist Protection
Uninsured Motorist (UIM)*
- Covers damage caused by an uninsured motorist
Underinsured Motorist (UM)*
- Covers costs incurred that surpass the at-fault party’s policy limits
*Pay up to the stated amount
Medical Payments (Med Pay)
Med Pay is optional coverage available, when/where applicable, for medical expenses resulting from an accident, regardless of fault.
- Less comprehensive than Personal Injury Protection (PIP)
- Pays regardless of fault
- Covers medical expenses
- Required in some states
Personal Injury Protection (PIP)
PIP insurance pays for an insured’s medical and other injury-related costs, regardless of which driver was at fault. The coverage varies between states but may include: Medical Expenses, Funeral Costs, Lost Income, or Survivors’ Loss. PIP does not compensate you for pain and suffering.
- Mandatory vs. Optional by state, check with your agent
- Not a replacement for Health Insurance
- Coverage limits vary by state and policy
Additional Insured (AI) Endorsement
- Adds another party as an insured under the policy
- Extends coverage to the party for certain risks
- Usually requested by Brokers, Shippers, Leasing Companies, Lien Holders
- Pricing can range from $0-$1,000, reference your specific policy
- Some policies may allow a “Blanket Additional Insured” for a flat fee
Ready to Get Protected?
Get a personalized quote for your commercial
auto liability coverage today.