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Cover · Commercial auto
Commercial auto.
Owned vehicles, hired and non-owned auto, motor truck cargo and federal filings — sized to your fleet and your operation.
What it is
Commercial auto covers vehicles used for business — third-party liability, physical damage, plus extensions for employee personal-vehicle use and regulated trucking. Personal auto policies exclude business use, so the right cover here is non-optional.
When you need it
The triggers
we hear most.
Your business owns vehicles — even one.
Personal auto policies exclude business use, full stop. Any vehicle titled to the business or used regularly for work needs commercial auto. We size limits to the work — local deliveries are different from regulated trucking.
Employees drive their own vehicles on company business.
Hired & non-owned auto (HNOA) extends your liability to employees driving personal vehicles for company errands, deliveries or client visits. It's cheap and most commercial businesses need it.
You're a regulated motor carrier (interstate trucking).
Federal motor carrier authority requires specific limits, MCS-90 endorsement and BMC-91/91X filings. We handle the federal filings directly with FMCSA.
A contract requires higher auto limits than you carry.
Larger customers, GCs and shipping brokers all demand specific auto limits — often higher than the federal or state minimum. We bind to the exact limit your contract requires, with umbrella stacking where needed.
What it covers
Inside the
policy.
Auto liability
Third-party bodily injury and property damage caused by your vehicles — at the limit required by state law, federal regulation or customer contract.
Physical damage (collision and comprehensive)
Damage to your own vehicles — collision for accidents, comprehensive for fire, theft, vandalism, weather and other named perils.
Hired & non-owned auto
Liability extension for vehicles you rent, lease or hire — plus liability for employees driving personal vehicles on company business.
Cargo and specialty endorsements
Motor truck cargo for freight in your custody, plus endorsements for refrigeration, hazmat, towing or specialty cargo where relevant.
What it doesn't
Where buyers
get caught out.
Employee injury
Workers hurt in a company vehicle on the job sit with workers' comp — though some forms include modest medical payments cover.
Personal use disputes
Commercial auto covers business use. Heavy personal use of company vehicles needs the right form and endorsements — or a permitted-use exclusion can bite.
Diminution in value
The loss of resale value after an accident is usually excluded. Some specialty markets offer it as an endorsement.
Who buys it
Industries we
place this for.
Trucking & logistics
Primary auto, cargo, physical damage and MCS-90 — for small and mid-sized fleets and specialty haulers.
See the pageConstruction & contractors
Commercial auto for trucks, trailers and equipment haulers — plus HNOA for employee personal-vehicle use.
See the pageRestaurants & food service
HNOA for delivery and supply runs, plus owned auto for dedicated delivery fleets.
See the pageDaycares & childcare
Commercial auto for vans and buses transporting children — with the right limits for child-passenger exposure.
See the pageManufacturing
Fleet, forklifts on the road and delivery vehicles — sized to your shipping and distribution model.
See the pageCannabis
Commercial auto for delivery and transport — placed in specialty cannabis markets.
See the page Why Nomos
How we place
this line.
Class and use fluency
Local pickup, long-haul trucking, dealer plates, food trucks, livery — each prices differently. We submit with the use detail underwriters need to price you properly.
Federal filings handled
MCS-90, BMC-91, state filings — we manage them directly with FMCSA and state regulators so your operating authority stays clean.
Real-data submissions
MVRs, CSA scores, telematics and loss runs all drive your premium. We package the submission with this data, not without it.
From field notes
What we're writing
on this.
The five lines every general contractor actually needs
GL, builders risk, workers' comp, commercial auto and inland marine. What each one does, what each one doesn't, and where buyers most often get caught out.
Read the piece
Get a quote
Auto sized to
your real operation.
Tell us about your fleet and how you use it. We'll shop carriers that actually price your class and operation properly.
Class and use-specific markets
Federal filings managed for you
MVRs and telematics packaged properly
HNOA for employee personal-vehicle use