What is commercial auto liability insurance?

Commercial auto liability insurance protects your business when your drivers are at fault in an accident. It covers bodily injury and property damage to third parties, including medical expenses, legal fees, and repair costs for other vehicles or property.

What liability limits do I need for my commercial vehicles?

Required limits vary by state and vehicle type. Taxi and livery services typically need $100,000/$300,000 to $1,000,000 CSL. Charter buses and motorcoaches often require $5,000,000 or more. We'll help you determine the right limits for your operation.

Does auto liability cover my passengers?

Yes, auto liability covers injuries to passengers in other vehicles when you're at fault. For your own passengers, you may need additional coverage depending on your state's requirements and your specific operation type.

What's the difference between split limits and CSL?

Split limits (like $100,000/$300,000) have separate caps per person and per accident. Combined Single Limit (CSL) provides one total amount that can be applied flexibly to any combination of injuries or damages in a single accident.

Essential Coverage

Auto Liability Insurance

The foundation of any commercial auto policy. Protects your business when you or your drivers are found at fault in an accident.

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?

Bodily Injury Liability

Medical expenses for injured parties
Lost wages and income replacement
Pain and suffering compensation
Funeral expenses in fatal accidents

Property Damage Liability

Repair costs for other vehicles
Damage to buildings and structures
Damage to personal property
Rental car costs for the other party

Legal Defense

Attorney fees and legal representation
Court costs and filing fees
Expert witness fees
Settlement negotiations

Additional Coverages

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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Protect your business with the right coverage limits. Our specialists understand transportation insurance requirements.