Commercial Auto Insurance

Protect your vans, box trucks, and fleets with coverage that fits how you operate. We compare multiple carriers for the right blend of price and protection — and we turn COIs fast.

Every mile your business drives creates risk. Commercial Auto Insurance protects company‑owned vehicles and drivers against third‑party liability and vehicle damage. Our independent advisors compare multiple A‑rated carriers so you get clear options, competitive pricing, and policy terms that match your operations.

  • Independent brokerage that compares multiple carriers
  • Coverage for cars, service vans, pickups, box trucks, and small fleets
  • Same‑day certificates of insurance for jobsites and vendors
Most certificates are issued the same business day through our local process.
 
 
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Bodily Injury & Property Damage Liability


Covers injury to others and damage to their property from at‑fault accidents.

 

Collision & Comprehensive

Repairs or replaces your vehicle after crashes, theft, vandalism, hail, and other covered causes.

Uninsured / Underinsured Motorist

Protects your business when another driver has no insurance or inadequate limits.

Medical Payments

Helps with medical expenses for you and your passengers after an accident.

Hired & Non‑Owned Auto (HNOA)


Liability protection when employees drive rented, leased, or personal vehicles for business.

Optional Endorsements


Drive‑other‑car, towing & labor, gap, OEM parts, rental reimbursement, and more (by carrier).

Illinois minimum liability


Vehicles registered in Illinois must carry active liability insurance to operate legally. The state electronically verifies coverage and can suspend registration for non‑compliance.

 

Interstate motor carriers (FMCSA)


For‑hire carriers operating across state lines must meet federal minimums under 49 CFR Part 387 and carry the MCS‑90 endorsement. General freight commonly uses $750,000 CSL, with higher limits for certain hazardous materials.

Jobsite & contract requirements (Checklist)

  • Same‑day certificates, with Additional Insured, Primary & Non‑Contributory, and Waiver of Subrogation wording when requested.

  • Guidance on COI best practices and renewal tracking so your subs and projects stay compliant.

  • Help with carrier filings and endorsements, including FMCSA filings and MCS‑90 when required.

How we work 

  1. We learn your operation — vehicles, drivers, radius, contracts, and certificate needs

  2. We compare multiple carriers — market shopping for coverage and price

  3. We help you choose — clear side‑by‑side options with recommendations

  4. We handle documents — COIs, endorsements, and filings without the back‑and‑forth

Need higher limits? Pair Commercial Auto with Commercial Umbrella to satisfy contract requirements.

FAQs (Frequently Asked Questions)

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