What is Auto Liability Insurance?
Auto liability insurance is required by law for all commercial vehicles. It protects against financial loss if you or your drivers are found at fault for an accident that injures others or damages their property.
This coverage pays for bodily injury and property damage to third parties, including medical expenses, lost wages, pain and suffering, and legal defense costs if you're sued.
Limits typically range from $100,000/$300,000 for taxi operations to $5 Million or more for charter buses, depending on vehicle capacity and regulatory requirements (PUC/DOT/FMCSA).
What's Covered?
- Medical expenses for injured parties
- Lost wages and income replacement
- Pain and suffering compensation
- Funeral expenses in fatal accidents
- Repair costs for other vehicles
- Damage to buildings and structures
- Damage to personal property
- Rental car costs for the other party
- Attorney fees and legal representation
- Court costs and filing fees
- Expert witness fees
- Settlement negotiations
- Medical Payments (MedPay): $5,000-$10,000
- Personal Injury Protection (PIP)
- Uninsured Motorist (UM) up to $1M
- Underinsured Motorist (UIM)
Liability Limits by Vehicle Type
Taxi & Livery Services
$100,000/$300,000 split limits to $1,000,000 CSL depending on state and local requirements
Limousine & Black Car
$750,000 to $1,500,000 CSL - CPUC/TNC requirements for California
NEMT & Paratransit
$750,000 to $1,500,000 CSL - Medicaid and managed care contract requirements
Motorcoach & Charter Bus
$5,000,000+ CSL - FMCSA requirements for interstate carriers
Frequently Asked Questions
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888-254-0089Other Coverages Commercial Fleet Operators Need
Premises and operations liability that pairs with auto policies.
Statutory workers comp for drivers and yard staff.
Specialized commercial auto for Non-Emergency Medical Transport.
Specialized commercial auto for limo and chauffeured fleets.
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