Commercial Auto Insurance

Independent broker. From single pickups to fleets—get the right symbols, limits, and endorsements without paying for fluff.

🚚Symbols 1 / 8 / 9 🛡️Liability & physical damage 📄Certificates & filings
📘 Core coverages
  • Auto Liability — protects your business for at-fault injuries/property damage.
  • Physical Damage — collision & comprehensive for owned vehicles.
  • Medical Payments — no-fault medical (small limits).
  • UM/UIM — protects you against uninsured/underinsured drivers.
🔢 Coverage symbols
  • Symbol 1 — Any Auto (broadest; common for liability on larger accounts).
  • Symbol 8 — Hired Auto (rented/leased vehicles).
  • Symbol 9 — Non-Owned Auto (employee-owned vehicles used for business).
🧩 Useful add-ons
  • Hired/Non-Owned Auto (HNOA) liability for teams that rent or drive personal cars.
  • Drive Other Car for owners/executives without a personal auto policy.
  • Rental reimbursement & towing.
  • Cargo/tools via inland marine if you carry goods/equipment.
🚗 Employees using their own cars?

Add non-owned auto liability so your business has protection if they’re at fault while on the job.

📝 Do I need to schedule every vehicle?

For owned autos, yes—keep schedules current. For hired/non-owned exposures, symbols 8/9 and HNOA endorsements address the gap.

☂️ Umbrella on top of auto?

Common for contracts requiring higher limits. We’ll confirm underlying limits to keep the umbrella valid.

Ready to compare commercial auto?

Send vehicle list (VINs/year/make/model), drivers, garaging, and usage. We’ll line up clear quotes.

Discuss commercial auto