Commercial Auto


We offer coverage for trucks and automobiles used for business purposes, including long-haul trucking, taxi cabs, limousines, medical transport vehicles, and more with customizable options for the insured’s specific needs in select states.

We presently do not offer commercial auto coverage in Connecticut or New York. Secondary auto such as drive away or non-owned auto coverage is available in all states.


  • Auto Liability
  • Auto Physical Damage
  • Commercial Truck Coverage
  • Drive Away Coverage
  • Hired & Non-Hired Auto
  • Motor Truck Cargo
  • Terminal Operation
  • Excess Coverage Available
commercial trucking insurance

What to Submit

  • A signed application. Be sure to include requested limits of liability and an indication of whether Personal Injury Protection, Underinsured Motorist Protection, and/or Uninsured Motorist Protection is required.
  • A schedule of vehicles to be insured, including year, make and model, VIN, cash value of the vehicle and radius of operation.
  • A schedule of drivers to be insured, including name, date of birth, driver license number, and state of issue.
  • A list of all state financial responsibility filings required.

Questions to consider: What are the most common causes of commercial vehicle crashes? As drivers, commercial truckers are generally considered above-average, but federal data indicates that their errors, mistakes, and negligence contribute to more than half of all truck crashes. The top 5 causes are brake problems, driving too fast, unfamiliar with the roadway, environmental conditions, and over-the-counter drug use. Questions to consider: When is a company liable for its driver’s conduct? An employer is liable for the wrongful acts committed by its employees or agents, provided the acts were unintentional and were committed within the scope of employment. Questions to consider: Is the driver an employee or independent contractor? The first thing the injured person must show is that the truck driver is an employee of the company, rather than an independent contractor. That's because a company is generally not liable for wrongful acts committed by independent contractors. Although each state’s laws may differ, generally the emphasis is placed on whether the employer has the right to control the detailed manner and means that the work must be performed. Questions to consider: What if the driver’s acts were intentional? Generally, an employer is not liable for the intentional torts (i.e., assault, battery, kidnapping) committed by its employee.

Know the Facts

Commercial Auto Taxi

Drivers on their phone are 23 times more likely than others to suffer from a vehicle accident – yet virtually all of today’s taxi drivers use mobile phones or other GPS systems to navigate.

commercial auto truck

According to the FMCSA, 415,000 reported crashes involved commercial vehicles in the United States in 2015.

commercial auto limo

60% of crashes involving commercial vehicles occurred on rural roads, while only 25% of them occurred on rural or urban interstate highways. – Source

Ready to Apply?

You may submit an application online using the GET A QUOTE button below, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

No risks are bound until expressly accepted by EIB, upon receipt of all requested information and the return of the applicable premium. In most cases premium financing options are included with the quote.

There are no minimum premium requirements.