Commercial Auto
Owned AutoLiability and physical damage coverage for vehicles owned by your business, including cars, trucks, vans, and specialty vehicles used in commercial operations.
Who Needs This?
Any business that owns vehicles used for commercial purposes.
Hired & Non-Owned Auto Liability
HNOACovers liability arising from the use of vehicles not owned by the business — including employee-owned vehicles used for business purposes and rented vehicles.
Who Needs This?
Businesses whose employees use personal vehicles for work or who rent vehicles for business use.
Motor Carrier Auto Liability
Federal and state-mandated liability coverage for trucking companies and motor carriers operating under FMCSA authority.
Who Needs This?
Trucking companies, freight brokers, and motor carriers with USDOT numbers.
Motor Truck Cargo
Covers the freight or commodity hauled by a for-hire trucker against loss or damage while in transit.
Who Needs This?
For-hire truckers, freight carriers, and logistics companies.
Trailer Interchange
Physical damage coverage for trailers in your possession under a trailer interchange agreement, protecting non-owned trailers you are responsible for.
Who Needs This?
Trucking companies that pull trailers under interchange agreements.
Non-Trucking Liability
Bobtail coverage for owner-operators when operating their truck for non-business purposes — when not under dispatch.
Who Needs This?
Owner-operators who need liability coverage when not under a motor carrier's authority.
Occupational Accident
Provides medical, disability, and accidental death benefits to independent contractors and owner-operators, serving as an alternative to workers' compensation.
Who Needs This?
Motor carriers with independent contractor drivers.
Garage Liability
Specialized liability coverage for auto dealers, service stations, and repair shops, covering operations and customer vehicles in your care.
Who Needs This?
Auto dealerships, repair shops, service stations, and parking garages.
Garagekeepers Liability
Covers physical damage to customer vehicles while in your care, custody, or control for service, repair, storage, or parking.
Who Needs This?
Auto repair shops, body shops, valet services, and parking facilities.
Public Auto / Fleet Programs
Comprehensive fleet insurance programs for businesses operating multiple vehicles, including public transportation, limousines, and commercial fleets.
Who Needs This?
Businesses operating 5 or more commercial vehicles.