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.

Coverage Types Under Auto Liability

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

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