Any auto liability
Bodily injury and property damage from vehicles you own, hire, borrow, or do not own. The broadest liability trigger available.
Home/Commercial lines/Commercial auto and fleet
Commercial
auto and fleet
Nuclear verdicts made auto the hardest line in commercial insurance. The accounts that get paid well are the ones that can prove how they hire and monitor drivers.
Symbol 1 or nothing
Half the coverage gaps we find in auto come down to which covered auto symbols were selected. Symbol 1 for liability is the answer on almost every account.
What the policy covers
The pieces, and what each one is actually for.
Symbol 1
Symbols 8 and 9
Hired and non-owned
Rented vehicles and employee owned vehicles used for company business. Every business with an employee running errands has this exposure.
Physical damage
Comprehensive and collision
Damage to your own units. Stated amount versus actual cash value matters on specialty and upfitted vehicles.
Coverage
Uninsured motorist
California's minimum limits are low and a meaningful share of drivers carry nothing. Rejecting UM in writing is a decision, not an oversight.
Endorsement
Trailer interchange and cargo
For motor carriers hauling under interchange agreements or moving customer property.
Endorsement
Drive other car and rental reimbursement
Coverage for owners driving personal vehicles, plus downtime replacement units.
Read this part
What underwriters look at first
Auto submissions get declined on the driver list before anyone looks at the vehicle schedule.
- MVRs pulled within ninety days on every driver, with a written standard for what disqualifies.
- Drivers under twenty five or over seventy, and anyone with a major violation inside three years.
- Radius of operation and whether any unit crosses state lines, which changes filings and pricing entirely.
- Telematics or dashcams. Carriers now credit them and increasingly require them above a certain unit count.
- Personal use by employees and family members, which is the exposure most often left off the application.
How we build the submission
Work the inputs before working the market.
Step 01
Clean the driver list
We run the roster against your own hiring standard before an underwriter does, and remove or address the drivers that will draw a decline.
Step 02
Rebuild the vehicle schedule
VINs, values, radius, and use codes verified. Stale schedules with sold units still on them cost real premium.
Step 03
Document the safety program
Written fleet policy, MVR frequency, post accident procedure, and telematics data. This is what earns a credit rather than a surcharge.
Step 04
Market by unit count
Under ten units, twenty five units, and true fleet all belong to different carriers. Sending a fleet to a small business market wastes the renewal cycle.
Fleets we place
Contractor fleetsNonprofit vans and paratransitLast mile deliveryLocal and intermediate truckingService vansRefrigeratedDump and aggregateLandscapingMedical transportAirport ground supportTowSales fleets
Not on the list is not the same as not placeable. Ask.
Questions we get
Straight answers.
Do I need commercial auto if employees drive their own cars?
You need hired and non-owned liability at minimum. Your business gets named in the suit regardless of whose car it was, and a personal auto policy does not protect the company.
Why is my fifteen passenger van so hard to insure?
Rollover history and occupant count. Some carriers exclude them outright. Others will write them with a driver training requirement. This is a class where the right market matters more than the right price.
Can telematics actually lower my premium?
Yes, and the credit is now large enough to pay for the hardware on most fleets. It also settles disputed liability claims quickly, which protects your loss ratio going into the next renewal.
Next step
Send us the submission
Loss runs, current declarations, and five minutes of context. You will hear back the same business day with what we can do and which markets we are approaching.