Commercial Auto Insurance | Seattle Fleet Coverage | First Underwriters
Commercial Lines · Fleets across WA, OR & ID since 1992

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 an independent broker we compare 50+ A-rated carriers to right-size your liability, cover your vehicles and cargo, and close the gaps a personal policy leaves wide open.

LiabilityCollision & ComprehensiveHired & Non-OwnedCargoUmbrella

Independent broker · 50+ A-rated carriers · Same-day certificates & auto ID cards

Personal auto policies exclude business use — so a work claim can be
denied
leaving you personally liable. Commercial auto is what actually responds when a vehicle is used for the business.
  • Hired & non-owned coverage for employees driving their own cars
  • Fleet discounts, MVR monitoring & DOT/FMCSA filings handled

Every fleet is different. Profile yours below →

🚚 34+ years insuring PNW fleets 📄 Same-day certificates & auto ID cards 🤝 50+ A-rated commercial auto carriers

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, the right business-vehicle coverage is essential to your company's financial security. As an independent broker, First Underwriters compares commercial auto quotes from over 50 A-rated carriers across Seattle, Washington, Oregon, and Idaho to find you the best coverage at competitive rates.

Fleet Coverage Profiler

See the commercial auto program your fleet needs.

Tell us what you drive and how you operate. We'll surface the coverages to prioritize and the gaps that leave businesses exposed — instantly.

About your vehicles

Nothing is stored or shared. A broker confirms the specifics.

Fleet size
Primary vehicles
How you operate
Suggested liability limit
$1M CSL
Combined Single Limit — a common baseline; add an umbrella for catastrophic claims.
Coverages to prioritize0
    Gaps that leave you exposed0
      Get this quoted for my fleet

      Illustrative only — required limits, coverages, filings, and eligibility vary by carrier, vehicle, driver records, and state. Your First Underwriters broker confirms exactly what your fleet needs.

      What a fleet runs

      Ballpark your annual commercial auto premium.

      Most businesses pay $1,200–$3,500 per vehicle a year — and fleet discounts grow as you add vehicles. Drag the sliders for a rough range.

      Your fleet

      Rough estimate only — your broker confirms real pricing.

      Number of vehicles10
      Typical premium per vehicle$2,300 / yr
      Estimated annual premium
      $20,700
      $2,070/vehicle after a fleet discount.

      Fleet discounts kick in around 5+ vehicles and deepen at scale. We shop 50+ carriers and layer telematics & safety credits to push this lower.

      Why commercial auto matters

      One accident. Your whole business.

      These are the losses a commercial auto program is built for. Pick a scenario to see how fast it adds up — and how coverage responds.

      Liability + umbrella

      Total exposure
      $0
      How coverage responds

      Commercial auto coverage options

      The building blocks of a fleet program.

      Commercial auto is several protections in one. Click each to see what it does — and the gap most owners miss.

      🛡️Liability (CSL)
      🚗Collision & Comprehensive
      🚧Uninsured / Underinsured Motorist
      👥Hired & Non-Owned Auto
      📦Cargo & Goods in Transit
      ☂️Commercial Umbrella
      Commercial auto insurance FAQs

      Answers to the questions we hear most.

      Commercial fleet insurance expertise

      Why fleets choose First Underwriters.

      We know fleet operations, driver management, and the specialized coverage the Pacific Northwest's businesses actually need.

      🚚

      Fleet specialists

      34 years insuring commercial vehicles from single trucks to 100+ vehicle fleets — from contractors to delivery services to executive transportation.

      🤝

      Multiple carrier access

      Dozens of commercial auto specialists — Travelers, Progressive Commercial, Zurich and regional carriers — options personal-auto agents can't offer.

      🛻

      All vehicle types

      Box trucks, vans, pickups, flatbeds, service vehicles, tow trucks, dump trucks and specialty units — including risks other agents can't place.

      📊

      Driver & safety support

      MVR monitoring, driver qualification files, telematics discounts, and loss-control resources that cut accidents and lower 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 same-day and handle seasonal fleet swings quickly — we respond when your operations change.

      34+Years serving fleets
      50+A-rated carriers
      100%Independent advocacy

      Get your commercial auto quote.

      Get a comprehensive quote tailored to your fleet. One accident shouldn't shut down your business — let's build the right protection together.

      Or email info@firstunderwriters.com · Same-day certificates & auto ID cards

      First Underwriters Insurance Brokers is an independent brokerage serving the Pacific Northwest since 1992. This page — including the interactive Fleet Coverage Profiler, cost estimator, and claim-cost illustrations — is for general education only and is not an insurance quote, binder, or offer of coverage. Premium ranges, dollar figures, coverages, and limits are illustrative and vary by carrier, vehicle, driver records, use, and state. Coverage is subject to policy terms, conditions, and exclusions.