Fleet liability
A vehicle you own or operate causes injury or damage.
Auto and Transportation Insurance
Fleets, truckers, and delivery operations run on the road, and one loss can park a whole business.
We shop the market for you, no broker fees
Progressive Commercial
Commercial vehicles
Travelers
Transportation fleets
The Hartford
Small commercial auto
Great American
Specialty transportation
Chubb
Commercial fleets
Markel
Specialty transportation
Kinsale
Hard to place transportation
AmTrust
Commercial vehicle programs
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Pick the best policy
We explain what is covered, what is not, and what it costs.
Auto and Transportation
- Fleet liability
- Cargo in transit
- Physical damage to units
- Driver injuries
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- Vehicle types, values, and fleet size
- Driver records, experience, and turnover
- Operating radius and annual mileage
- Cargo or passenger operations
- Required filings and liability limits
- Claims history and safety controls
Text us. We're by your side.
Common exposures in this line of work
Cargo in transit
Freight is damaged, stolen, or lost on the road.
Physical damage to units
Your own tractors, trailers, and vans are off the road after a loss.
Driver injuries
Long hours and loading work put drivers at risk.
Anything that moves goods or people for money, including:
- Local delivery and courier fleets
- Long-haul trucking
- Refrigerated freight
- Flatbed and heavy haul
- Dump trucks and aggregate hauling
- Tow and roadside recovery
- Last-mile contract delivery
- Moving and household goods
- Non-emergency medical transport
- Shuttle and limousine
- Charter and tour buses
- Waste and recycling hauling
- Auto transport and car carriers
- Owner-operators running under their own authority
The coverages this industry actually buys
Commercial Auto
Every unit in the fleet needs liability and physical damage, plus the filing that proves it. Commercial auto answers an at fault accident involving one of your tractors, straight trucks, or vans, while collision and comprehensive repair or replace the unit itself. State and federal authority filings are made against this policy, so a lapse becomes an operating problem before it becomes an insurance problem.
General Liability
The road is only part of the exposure. General liability covers injury and property damage at the yard, the dock, and the office: a visitor hurt on your lot, a forklift into a customer's wall, damage you cause while loading. It is a separate policy from commercial auto, and claims that happen away from the vehicle land here.
Workers' Compensation
Drivers, dockworkers, and mechanics do physical work around heavy equipment, and comp is what pays their medical bills and wage replacement after an injury. Premium runs on payroll by class code, so how your staff is classified moves the number more than almost anything else on the policy. We settle the classifications when the policy is issued rather than at the year end audit.
Commercial Umbrella
Shippers and freight brokers increasingly write a combined limit into the contract that a primary auto policy cannot reach on its own. A commercial umbrella adds limit above auto and general liability and responds once the underlying policy is exhausted. Which policies sit underneath is a term of the umbrella form, so the two have to be built together rather than bought separately.
Excess and Surplus Lines
New authority, a thin loss history, or a fleet coming off a bad year will not get quoted in the standard market. Surplus lines carriers underwrite those files individually and can write terms an admitted form does not offer. We take the submission there with the loss runs, the driver list, and the safety picture an underwriter needs to price it.
Related from the Menlo Library
Commercial AutoWhat Is Motor Truck Cargo Insurance and Who Needs It?
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Commercial AutoWhat Is Uninsured Motorist Coverage and How Much Do You Need?
Insurance BasicsWhat Is a Certificate of Insurance (COI) and When Do You Need One?
Questions we get asked
The longer answers, with the form numbers, live in the Library.
Which policies do auto and transportation businesses usually need?
The right program depends on the operation, but the lines we most often evaluate are Commercial Auto, General Liability, Workers' Compensation, Commercial Umbrella, and Excess and Surplus Lines. We confirm which exposures are present before recommending a policy, so you do not pay for a line simply because it appears on a standard checklist.
What information do you need to quote auto and transportation insurance?
Have your vehicle and driver schedules, operating radius, commodities or passengers carried, required filings, annual mileage, and loss runs ready. A complete submission lets carriers evaluate the account on the actual operation and reduces follow-up questions before they can quote.
Can you help if a standard carrier already declined the account?
Often, yes. A decline does not guarantee another carrier will quote, but it tells us where the standard market stopped. We review the reason, improve the submission where the facts support it, and approach specialty markets when they are appropriate.
How do you compare the quotes you receive?
We compare the coverage form, limits, deductibles, exclusions, carrier financial strength, binding requirements, and total cost. The lowest premium is not the best option when the form removes the protection the business needs.
Get it placed by someone who reads the fine print
Start a quote and a licensed broker takes it from there, or talk to one now.