COMMERCIAL PRO Commercial Auto Insurance
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Commercial auto insurance · All industries

Every truck.
Every fleet.
Every industry.

From a single pickup truck to a 50-vehicle cement plant fleet — Commercial Pro quotes all commercial auto classes across every major carrier simultaneously. One submission. Multiple markets. Best rate.

All fleet types
Construction & heavy equipment
Cement & concrete
DOT filings
Same-day quotes
All 50 states
🏗️
Construction Fleets
Dump trucks, flatbeds, cranes, lowboys, pickups
🔄
Cement & Concrete
Mixer trucks, pumpers, transit mixers, batch plant
🚛
Long-Haul Trucking
Semi/tractor-trailer, flatbed, tanker, refrigerated
📦
Delivery & Logistics
Cargo vans, box trucks, last-mile, courier fleets
🔧
Service & Contractor
Service vans, work trucks, specialty trade vehicles
🌿
Landscaping & Site
Trailers, equipment haulers, spray trucks
🛡️
Specialty & Security
Patrol vehicles, food trucks, passenger transport
Cement mixers
Dump trucks
Semi / tractor-trailer
Flatbed
Box trucks
Concrete pumpers
Cargo vans
Pickup trucks
Cranes / lowboys
Tanker trucks
Refrigerated
Service vans
Equipment haulers
Passenger vans
Food trucks
Patrol vehicles
🏗️ Construction specialists
🔄 Cement & concrete programs
📋 DOT filings handled
Same-day quotes
🌍 All 50 states

Every industry.
Every vehicle type.

Commercial auto is not one-size-fits-all. A cement mixer has completely different coverage needs than a courier van. We understand the specific underwriting requirements, carrier appetite, and DOT compliance for every industry fleet — and we place them all.

DOT Required
03
🚛
Long-Haul Trucking
Interstate and intrastate trucking operations. DOT authority, FMCSA compliance, CSA score review, and cargo class all impact placement. Owner-operators, small fleets, and large carriers all placed.
Semi / tractor-trailer Flatbed Tanker Refrigerated Dry van Lowboy
04
📦
Delivery & Logistics
Local, regional, and last-mile delivery operations. Cargo coverage, high-annual-mileage rating, and driver turnover are key underwriting factors. App-based delivery fleets handled separately.
Cargo vans Box trucks Sprinter vans Straight trucks Pickup trucks
05
🔧
Trades & Service
Electrical, plumbing, HVAC, roofing, and all specialty trades. Service van and work truck fleets. Tools in vehicle covered under inland marine. Most trades qualify for standard market programs.
Service vans Work trucks Utility vehicles Bucket trucks Sprayers
06
🌿
Landscaping & Site Work
Landscape contractors, irrigation, tree service, and site work operations. Trailer towing endorsements, equipment haulers, and spray truck chemical liability all addressed.
Trucks + trailers Equipment haulers Spray trucks Dump trailers Chipper trucks
DOT May Apply
07
⚗️
Chemical & Hazmat
Hazardous materials transport, chemical delivery, and specialty cargo. Requires MCS-90 endorsement, placarding compliance, and specialized carrier programs. Higher premiums, specialty markets only.
Tanker trucks Bulk liquid Hazmat trailers Chemical sprayers
08
🚌
Passenger Transport
Shuttle services, charter, medical transport, and school buses. High-limit passenger liability required. ADA compliance and route type affect carrier appetite significantly.
Shuttle vans Minibuses Charter buses Medical transport School buses
09
🍔
Food Trucks & Mobile Kitchen
Food truck operations are a unique hybrid — commercial auto for the vehicle and inland marine for the kitchen equipment. Fire suppression certification is a key underwriting requirement.
Food trucks Catering vehicles Ice cream trucks Mobile kitchens
10
🛡️
Security & Patrol
Security guard patrol vehicles carry unique exposures — armed guards, response incidents, and high mileage. Most standard carriers will not write armed patrol. We have specialty programs that do.
Patrol vehicles Response vehicles Armored vehicles Surveillance units
11
🏥
Medical & Healthcare
Non-emergency medical transport, home health aide vehicles, and mobile clinic units. HIPAA considerations, ADA vehicle requirements, and medical equipment transit coverage.
NEMT vehicles Home health vans Mobile clinics Medical supply trucks
12
🏢
Business Auto / Company Cars
Company-owned sedans, SUVs, and light trucks used for business. Hired and non-owned auto for employees using personal vehicles. Simple placement at competitive rates for most industries.
Sedans / SUVs Light pickups Hired auto Non-owned auto
12+
Industry classes
8+
Carrier markets
50
States covered
Same
Day quotes
15+
Years experience

Everything your fleet needs.

Commercial auto insurance is not just liability. A complete fleet program covers the vehicle, the driver, the cargo, and the gaps most agents miss.

🛡️
Auto Liability
Bodily injury and property damage caused by your vehicles. Available from $300K CSL to $5M+ for trucking and heavy fleet operations. Split limits also available.
Required by law in all states. DOT minimum $750K for interstate carriers.
💥
Physical Damage
Collision and comprehensive coverage for your vehicles. Protects the value of your fleet against accidents, theft, fire, and weather damage. Actual cash value or agreed value available.
Lenders and lessors require this if vehicles are financed or leased.
📦
Cargo Coverage
Covers the goods or materials your vehicles transport. Critical for delivery, trucking, and any operation moving customer property. Rated by cargo class and maximum load value.
Cement, aggregate, and construction materials each have specific cargo rates.
🚗
Hired & Non-Owned
Covers liability when employees drive personal vehicles for business purposes or when you rent vehicles. Often overlooked — any business with employees making deliveries or sales calls needs this.
Does NOT cover physical damage to the hired or personal vehicle itself.
🏥
Medical Payments
Pays medical expenses for your drivers and passengers regardless of fault. Supplements workers comp for vehicle-related injuries. Available from $1,000 to $10,000 per person.
Particularly important for passenger transport operations.
⚠️
Uninsured Motorist
Protects your drivers when they're hit by an uninsured or underinsured driver. Required in many states. Often waived by businesses — almost always a mistake given the frequency of uninsured drivers.
Stack UM limits across multiple vehicles where state law permits.
📋
MCS-90 Endorsement
Mandatory for interstate for-hire carriers. Ensures minimum federal liability limits are met regardless of policy exclusions. Required by FMCSA for any carrier with interstate DOT authority.
Federal minimum: $750K general freight · $1M household goods · $5M hazmat
🔧
Non-Trucking Liability
Covers owner-operators when driving their truck for personal use or between loads — when the primary carrier's policy does not apply. Essential gap coverage for leased owner-operators.
Also called "deadhead" or "bobtail" coverage in the trucking industry.

DOT.
FMCSA.
We handle it.

Regulatory compliance is as important as the insurance itself. A lapse in DOT filings or an incorrect FMCSA registration can shut your operation down. We guide you through every requirement.

🏛️
DOT Number Federal
Required for any commercial vehicle over 10,001 lbs GVW operating in interstate commerce, or vehicles carrying hazardous materials. We verify your DOT registration is active and correct before submission.
📡
FMCSA Operating Authority Federal
For-hire carriers must have FMCSA operating authority (MC number) in addition to a DOT number. We confirm your authority type matches the cargo you're hauling and your operating radius.
📊
CSA Score Review Carrier Req.
Carriers check your FMCSA CSA scores — unsafe driving, hours of service, vehicle maintenance, and controlled substances. Scores above 65 in any BASIC category trigger additional underwriting scrutiny or declination.
📋
Form BMC-91 / MCS-90 Filing Federal
We file the mandatory federal forms with FMCSA on your behalf — BMC-91 (liability filing) and MCS-90 endorsement for interstate carriers. These must be on file before you legally operate.

Driver risk matters most.

The single most important factor in commercial auto rating is your drivers. Here's what carriers look at — and what you can do to get the best rates.

MVR Rating Guide
Clean MVR — no violations 3 years Best rate
1 minor violation (speeding under 15 mph) +5–15%
1 at-fault accident in 3 years +20–35%
2 at-fault accidents or 3 violations Referral / decline
DUI / DWI in past 5 years Hard decline
Driver under 25 or over 70 Surcharge
Pro tip: driver management program
Fleets with formal driver safety programs — written policies, regular MVR checks, and dash cams — qualify for 5–15% safety credits at most carriers. We help you document what you're already doing to get credit for it.

Which carrier writes your fleet.

Every carrier has different appetite for different fleet types. We know who writes what — so you don't waste time on submissions that go nowhere.

Carrier Construction Cement / Concrete Long-Haul Delivery Service / Trades Passenger Typical Rate
Progressive Commercial ✓ Strong ✓ Limited ✓ Strong ✓ Strong ✓ Best Competitive
Sentry Insurance ✓ Strong ✓ Program ✓ Limited ✓ Limited ✓ Strong Competitive
Canal Insurance ✓ Best ✓ Strong ✓ Strong ✓ Limited ✓ Limited Mid-market
Travelers Commercial ✓ Strong ✓ Limited ✓ Strong ✓ Strong ✓ Strong ✓ Limited Mid-market
National Interstate ✓ Limited ✓ Program ✓ Best ✓ Strong ✓ Strong Specialized
Protective Insurance ✓ Limited ✓ Strong ✓ Strong ✓ Best Specialized
Markel (specialty) ✓ Strong ✓ Strong ✓ Strong ✓ Limited ✓ Strong ✓ Strong Higher premium
Old Republic ✓ Limited ✓ Strong ✓ Best ✓ Limited Mid-market

Appetite shown is general guidance and varies based on driver MVRs, loss history, vehicle age, and operating radius. We shop your specific risk across all eligible markets.

Fleets of all sizes.
Same-day results.

★★★★★

"We run 14 transit mixers and 6 support vehicles in three counties. Commercial Pro came back with Canal at a rate $8,400 less than what we were paying. The submission took 20 minutes instead of the all-day process we were used to."

Anthony R.
Owner, Ready-Mix Concrete Operation — Tampa, FL
★★★★★

"Our construction fleet has 23 vehicles — dump trucks, flatbeds, pickups, and a lowboy. Most agencies struggle with mixed fleets like that. Commercial Pro had quotes from three carriers within hours. The DOT compliance check saved us from a gap we didn't even know we had."

Marcus T.
President, T&T Excavation — Atlanta, GA
★★★★★

"I've been in trucking for 22 years and never had an agent who actually understood CSA scores and how they affect our placement. Commercial Pro flagged our Hours of Service BASIC before we even submitted. That's the kind of expertise that protects your operation."

Deborah S.
Fleet Manager, Regional Logistics — Charlotte, NC
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Fill in your fleet details and our AI agent simultaneously requests quotes from every eligible carrier — returning a side-by-side comparison with a clear recommendation. Or try the full AI agent for an even deeper analysis.

All 12 fleet and industry types — construction, cement, trucking, and more
Vehicle schedule + driver MVR risk scoring before carrier submission
DOT / FMCSA compliance check included automatically
Simultaneous quotes from Progressive, Sentry, Canal, Travelers, and more
Coverage gap analysis — hired/non-owned, cargo, MCS-90, UM waiver review
No EZLynx · No per-quote fee · You deal directly with a licensed agent
Active carrier markets
Progressive
Sentry
Canal
Travelers
National Interstate
Old Republic
Protective
Markel
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(973) 307-7007

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15+ years placing commercial auto for construction, cement, trucking, and every industry in between. Call today — same-day quotes on most fleet types.

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(973) 307-7007 info@commercialpro.ai
Same-day response · Licensed P&C Producer · All 50 states