United Lanes Insurance

Commercial Auto Liability Coverage – Safeguard Your Business

🚚 Protect Your Business with Reliable Commercial Auto Liability Insurance

When your trucks are on the road, they’re exposed to risks that could lead to significant financial losses. Commercial auto liability coverage protects your business by covering bodily injury and property damage caused by your vehicles during business operations. Whether you’re an owner-operator or run a fleet of trucks, this coverage is essential to protecting your business from costly lawsuits and claims.

Why Commercial Auto Liability Insurance Is Crucial for Truckers

Without commercial auto liability insurance, your business could face serious financial risks in case of an accident. This coverage is essential for:

Covering Third-Party Injuries & Property Damage

Pays for medical bills, repair costs, and legal expenses if your truck is involved in an accident.

Meeting State & Federal Requirements

Many states and FMCSA regulations require trucking businesses to carry this coverage.

Protecting Your Business from Lawsuits

Helps cover legal defense costs if someone sues you for accident-related damages.

Ensuring Contract & Lease Compliance

Many brokers, shippers, and lenders require this coverage to do business with you.

Your business deserves customized protection. Our agents can help you find the best commercial auto liability insurance coverage for your specific needs.

What Is Commercial Auto Liability Insurance?

Commercial auto liability insurance provides financial protection if your business vehicle is involved in an accident that causes bodily injury or property damage to others.

This coverage applies when:

πŸš› Your truck is involved in an at-fault accident and causes injury to another person.
πŸš› Your vehicle damages another person’s property, such as a car, building, or fence.
πŸš› You are sued for medical expenses, lost wages, or legal fees due to an accident.

This policy is required for all trucking businesses and is a fundamental part of your commercial trucking insurance portfolio.

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How Much Does Commercial Auto Liability Insurance Cost?

The cost of commercial auto liability insurance varies based on:

Type of Business

Owner-operators and trucking fleets have different risk profiles.

Coverage Limits

Higher liability limits provide better protection but may increase premiums.

Operating Radius

Insurance costs may be higher for long-haul truckers compared to local operations.

Each policy is customized to your business, and the best way to get an affordable rate is to speak with our agents for a quote.

What Does Commercial Auto Liability Insurance Cover?

Bodily Injury Liability

Covers medical bills, lost wages, and legal expenses if someone is injured in an accident caused by your truck.

Property Damage Liability

Pays for damages to another person’s vehicle, building, or other property.

Accident-Related Medical Expenses

Pays for immediate medical care for injured third parties.

🚨 Commercial Auto Liability vs. General Liability Insurance – Know the Difference!

Coverage TypeWhat It Covers
Commercial Auto Liability InsuranceCovers accidents involving your truck that result in bodily injury or property damage to others.
General Liability InsuranceCovers non-driving-related business risks, such as customer injuries at your premises..

Still unsure which coverage you need? πŸ“ž Call (405) 963-3920.

When Do You Need Commercial Auto Liability Insurance?

If you operate a commercial vehicle, this insurance is mandatory to comply with state and federal regulations. It applies when:

You drive your truck for business operations.

You transport goods or passengers.

Your truck is involved in an at-fault accident.

You lease, finance, or operate under a contract requiring insurance.

Without commercial automobile liability insurance, you risk financial losses, legal penalties, and business disruptions.

Additional Trucking Insurance Coverages We Offer

We provide a full range of commercial trucking insurance options, including:

πŸ“ž Bundle & Save – Call (405) 963-3920

Nationwide Commercial Auto Liability Insurance – 48 States Served

We proudly provide commercial auto liability insurance coverage across the U.S., including:

πŸ“ Utah

πŸ“ WashingtonΒ 

πŸ“ Wyoming

πŸ“ Arizona

πŸ“ California

πŸ“ Colorado

πŸ“ New Mexico

πŸ“ Texas

πŸ“Β Pennsylvania

πŸ“Β Rhode Island

πŸ“Β Vermont

πŸ“ Oklahoma

πŸ“ Idaho

πŸ“ Montana

πŸ“ Nevada

πŸ“ Oregon

πŸ“Β ConnecticutΒ 

πŸ“Β Delaware

πŸ“Β Maine

πŸ“Β Maryland

πŸ“Β Massachusetts

πŸ“Β New Hampshire

πŸ“Β New Jersey

πŸ“Β New York

Β πŸ“ Michigan

πŸ“ Minnesota

πŸ“ Missouri

πŸ“ Nebraska

πŸ“ North Dakota

πŸ“ Ohio

πŸ“ South Dakota

πŸ“ Wisconsin

πŸ“ South Carolina

πŸ“ Tennessee

πŸ“ Virginia

πŸ“ West Virginia

πŸ“ Illinois

πŸ“ Indiana

πŸ“ Iowa

πŸ“ Kansas

πŸ“Β Alabama

πŸ“Β Arkansas

πŸ“Β Florida

πŸ“ Georgia

πŸ“ Kentucky

πŸ“ Louisiana

πŸ“ Mississippi

πŸ“ North Carolina

Commercial Auto Liability Insurance FAQs

What is commercial auto liability insurance?

Commercial auto liability insurance covers your business against claims for bodily injury and property damage caused by your vehicle during business operations.

Yes, if you use your truck for business purposes, this insurance is essential to protect your business from potential legal claims and accidents.

The cost depends on your business size, fleet, location, and coverage limits. Generally, it ranges from $50 to $200 per month.

Yes, it covers accidents you cause that result in injury or property damage to others, but it doesn’t cover damage to your vehicle.

Commercial auto liability focuses on third-party claims for damage or injury, while trucking insurance may also cover your vehicle and cargo.

πŸ“ž Compare Commercial Auto Liability Insurance Quotes Today!

We make getting the right coverage fast and hassle-free!

πŸš€ Quick Approvals
🌎 Nationwide Coverage
πŸ“ Customized Policies for Truckers

πŸ“ž Call Now: (405) 963-3920 | πŸ“© Get Covered in Minutes!

🚚 Protect Your Business Today!

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