The Facts About Commercial Auto and Trucking
Commercial Auto and Trucking Insurance
FMCSA-compliant coverage for fleet operators, owner-operators, and motor carriers across nine licensed states.
Crawford-Hill places commercial auto and trucking insurance for businesses running anything from a single work truck to a large mixed fleet with multi-state routes. As an independent broker, we compare admitted and surplus lines markets to build a program that matches how your vehicles are actually used.
Coverage We Place
- Motor carrier liability
- Physical damage and cargo coverage
- Non-trucking liability
- Mixed fleet and large-schedule programs
- Owner-operator and long-haul programs
- FMCSA filing and compliance support
Common Issues We Help Solve
- Fleet usage that no longer matches the policy on file
- Coverage gaps for owner-operators leased to a carrier
- Multi-state registration and filing requirements
Commercial Auto & Trucking FAQ
A: Most motor carriers need motor carrier liability, cargo insurance, physical damage coverage, and non-trucking liability — plus general liability and workers' compensation if they have employees. Requirements vary by vehicle weight, cargo type, and whether you operate interstate or intrastate.
A: Yes. Commercial auto policies cover vehicles used for business purposes and carry different liability structures, often with higher limits and broader coverage for hired help, cargo, and business use that personal auto policies exclude.
A: It depends on the lease agreement. Many owner-operators need their own non-trucking liability and physical damage coverage even when leased to a motor carrier, since the carrier's policy may only apply while under dispatch.
A: Yes. We have access to both admitted and excess and surplus lines markets, which allows us to place fleet and trucking risks that standard markets decline.
Talk to a commercial broker about your fleet.
Request a Fleet Insurance Quote or call 720-791-2700.
