Commercial auto insurance for vehicles that work for a living
Cargo vans, hot-shot rigs, box trucks, and semi trucks face different risks than personal vehicles. We'll help you understand the coverage your operation may need.
What is commercial auto insurance?
Commercial auto insurance covers vehicles used for business purposes, such as hauling goods, making deliveries, or transporting tools and equipment. Personal auto policies often exclude business use.
Trucking operations may also have federal and state filing requirements, cargo exposures, and contract requirements from brokers or shippers. We'll help you sort through what applies to you.
Common coverage options
Availability and terms vary by insurance company and state. An agent can explain what applies to you.
- Commercial auto liability
- Helps cover injuries and property damage to others when you or a driver is responsible for an accident.
- Physical damage
- Collision and comprehensive coverage to help repair or replace your truck, van, or trailer.
- Motor truck cargo
- Helps protect the freight you haul against covered losses, subject to policy terms and limits.
- Non-trucking liability and bobtail
- Coverage for owner-operators when driving without a load or outside of dispatch, depending on the lease arrangement.
- Hired and non-owned auto
- Helps cover liability when employees use rented or personal vehicles for business errands.
- Filings and trailer interchange
- Help with required filings and coverage for trailers you don't own, when applicable.
Vehicles we commonly help with
- Cargo and sprinter vans
- Hot-shot trucks and trailers
- Semi trucks and tractor-trailers
- Box trucks
- Pickup trucks used for work
- Contractor and service vehicles
Benefits
- Coverage designed for business use
- Help with broker and shipper requirements
- Options for owner-operators and small fleets
- Guidance on cargo and physical damage limits
Things to consider
- Have your USDOT and MC numbers (if applicable), VINs, driver list, and radius of operation ready.
- Driving records and years of commercial driving experience weigh heavily with trucking insurers.
- The types of cargo you haul can affect coverage availability and requirements.
- Leased-on owner-operators should confirm what their motor carrier's policy does and doesn't cover.
Commercial Auto Insurance questions
Do I need commercial auto if I use my personal truck for work?
Possibly. Many personal auto policies limit or exclude business use. Tell us how the vehicle is used and we'll help you understand whether a commercial policy is appropriate.
Can you help with hot-shot and semi truck insurance?
Yes. We help hot-shot operators, owner-operators, and small fleets explore coverage options. Availability depends on the insurance companies and your operation.
What information do you need for a trucking quote?
Commonly requested details include your USDOT number, vehicle and trailer details, drivers, radius of operation, cargo types, and loss history.
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Questions about commercial auto insurance?
Request a free quote online or call a SureLine agent. There's no obligation to buy.