Business Insurance
Commercial Auto
Liability and physical damage coverage for business-owned and hired vehicles.
Overview
Understanding commercial auto
Commercial auto insurance covers vehicles used in business operations — owned fleets, service vehicles, and hired or non-owned auto exposure. Programs should align with DOT requirements where applicable, driver schedules, and contractual auto liability limits.
Coverage Scope
What this coverage can help address
These are common areas programs may address. Specific terms depend on carrier forms, endorsements, and your operations.
- Liability for bodily injury and property damage
- Collision and comprehensive physical damage
- Uninsured and underinsured motorist
- Hired and non-owned auto liability
- Medical payments and rental reimbursement
Planning
Common coverage considerations
Factors that often influence limits, endorsements, and carrier selection.
Scheduled vs. blanket vehicle reporting
Driver MVR and eligibility guidelines
Radius of operation and garaging location
Symbol and limit selections for owned vs. hired autos
Coverage availability and eligibility depend on carrier underwriting guidelines, state requirements, and individual risk details.
Fit
Ideal for
Organizations and individuals who commonly evaluate this line of coverage.
Businesses with company-owned vehicles
Teams using personal vehicles for work errands
Contractors and service companies with mobile operations
Companies required to provide auto liability certificates
Related
Other business insurance lines
Explore additional coverage areas within business insurance.
General Liability
Protection for third-party bodily injury, property damage, and advertising injury claims.
Learn moreCommercial Property
Coverage for buildings, equipment, inventory, and business personal property.
Learn moreWorkers Compensation
Statutory coverage for work-related employee injuries and occupational illnesses.
Learn moreDiscuss commercial auto with an advisor
Submit your information and a Northshore advisor will review your situation and outline appropriate next steps.
Submitting this form does not bind coverage, create a policy, or guarantee pricing. A licensed advisor will review your information and follow up directly.