Commercial auto insurance for every mile you drive
One work truck or a hundred-vehicle fleet, a single at-fault accident can put your business assets on the line. As a broker, we compare more than 50 A-rated carriers to set the right liability limits, cover your vehicles and cargo, and close the gaps a personal policy leaves.
Same-day certificates and auto ID cards
Protection for vehicles, drivers and cargo
Commercial auto insurance protects your business vehicles, drivers and cargo from accidents, theft and liability claims. Whether you operate a single work truck or manage a fleet of delivery vans, we compare commercial auto options across Seattle, Washington, Oregon and Idaho to find the right coverage at a competitive rate.
See the commercial auto program your fleet needs
Tell us what you drive and how you operate. A $1M combined single limit is a common baseline; heavier and regulated fleets warrant higher limits and an umbrella. Illustrative only; your broker confirms exactly what your fleet needs.
Your operation
Select everything that applies.
Coverage that typically applies
5 coverages — a starting point for a conversation, not a quote.
- Liability — Combined Single LimitOne limit for bodily injury and property damage you cause; the core requirement.
- Collision & ComprehensiveRepair or replace your vehicles after a crash, theft, vandalism, weather or animal strike.
- Uninsured / Underinsured MotoristProtects your drivers when the other party has no or too little insurance.
- Medical PaymentsNo-fault medical for your drivers and passengers.
- Hired & Non-Owned AutoEmployees using personal or rented vehicles for business, a common blind spot.
What commercial auto typically costs
Most businesses pay roughly $1,200–$3,500 per vehicle a year. Price depends on vehicle types, number of vehicles, driver records, limits and how the vehicles are used. Fleet discounts generally begin around five vehicles and deepen at scale, and telematics and safety credits can bring the cost down further. We'll confirm real pricing when we quote.
One accident, your whole business
The losses a commercial auto program is built for, with illustrative figures.
Multi-vehicle fleet accident
A delivery driver runs a red light and causes a chain-reaction crash involving four vehicles. Three people are seriously injured, requiring emergency surgery and long-term rehabilitation.
- Medical claims$950,000
- Vehicle damage$180,000
- Lost wages and pain/suffering$70,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
The building blocks of a fleet program
Commercial auto is several protections in one, each with a gap owners often miss.
Liability (combined single limit)
Bodily injury and property damage your vehicles cause to others, plus legal defense, under a single combined limit ($500,000–$2 million). Legally required and the first thing contracts check.
- Often missed: state-minimum limits are far too low for a fleet. Carry $1M CSL and layer an umbrella above it.
Collision & comprehensive
Collision repairs or replaces your vehicles after an accident regardless of fault; comprehensive covers theft, vandalism, fire, weather, falling objects and animal strikes.
- Often missed: depreciation reduces claims on newer or specialized vehicles. Ask for agreed value on high-value units.
Uninsured / underinsured motorist
Protects your drivers and passengers when they're hit by someone with no or too little insurance, including hit-and-run.
- Often missed: owners minimize UM/UIM to save premium. Match UM/UIM to your liability limit.
Hired & non-owned auto
Liability when employees drive vehicles you don't own: their own cars for errands, rentals on a trip or temporary replacements.
- Often missed: personal auto excludes business use, so an employee's at-fault crash can land on your business. HNOA is inexpensive and closes it.
Cargo & goods in transit
The products, materials and equipment you transport, against damage, theft and loss while in your vehicles.
- Often missed: auto physical damage covers the truck, never the load. Add cargo, or motor truck cargo for regulated carriers.
Commercial umbrella
$1M–$10M of liability above your primary auto and general liability for severe-injury or fatality claims.
- Often missed: fleets and larger contracts increasingly require umbrella limits to bid.
Common commercial auto gaps
Personal auto excludes business use
If an employee crashes their own car on the job, their personal policy can deny the claim. Hired and non-owned auto fills the gap.
Under-limit liability
State minimums are far below a real injury claim; a serious multi-vehicle loss calls for $1M CSL plus an umbrella.
Driver records drive your rate
MVRs and claims history weigh heavily on pricing. Driver screening and MVR monitoring protect your premium.
Cargo isn't auto physical damage
Goods you carry need cargo or motor truck cargo coverage; the auto policy won't pay for the load.
Interstate filings are mandatory
Without MCS-90 / BMC-91 on file you can't legally run, and a gap can void your authority.
Claims history compounds
One at-fault loss can raise rates for years. Safety programs and telematics help keep them down. Heavier trucks also call for higher limits.
Answers to the questions we hear most
What does commercial auto insurance cover?
How much does commercial auto insurance cost?
Do I need commercial auto insurance for my work truck?
What's the difference between personal and commercial auto insurance?
Can employees drive company vehicles on a commercial auto policy?
Fleet experience across the Pacific Northwest
Fleet experience
We insure commercial vehicles from single trucks to 100+ vehicle fleets, from contractors to delivery services to executive transportation.
Commercial auto markets
Travelers, Progressive Commercial, Zurich and regional carriers that specialize in commercial auto.
All vehicle types
Box trucks, vans, pickups, flatbeds, service vehicles, tow trucks, dump trucks and specialty units, including harder-to-place risks.
Driver and safety support
MVR monitoring, driver qualification files, telematics discounts and loss-control resources that reduce accidents and premiums.
DOT & FMCSA compliance
Interstate requirements, MCS-90 endorsements, BMC-91 filings and the coverage regulated motor carriers need.
Rapid policy changes
Add or remove vehicles the same day and handle seasonal fleet swings quickly.
Get your commercial auto quote
A quote built around your fleet, with same-day certificates and auto ID cards. Or email info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder; the fleet profiler is a starting point for discussion, not a quote. Premium ranges, scenarios and dollar figures are illustrative and vary by carrier, vehicle, driver records, use and state. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.