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We provide customized commercial auto insurance solutions for trucks and automobiles used for business purposes, including commercial trucking (long-haul trucks, delivery trucks, garbage trucks, etc.), taxi cabs, limousines, buses, medical transport vehicles, and more with customizable options for the insured’s specific needs in select states.

Primary commercial auto insurance is not available in every state and we do not offer personal auto insurance. Please contact us to check state availability.

If you’re interested in commercial trucking, check out our commercial trucking insurance page instead!
commercial auto insurance for trucks, limos, taxis, and more

Learn More About Commercial Auto Insurance

What Is Commercial Auto Liability Insurance?

Auto liability insurance is a way to insulate businesses that use vehicles from significant losses. A commercial auto insurance policy is a type of insurance that covers vehicle damage and injury expenses for parties involved in an accident. In exchange for a policy premium, the insurance carrier will cover eligible legal, medical, or repair costs up to a predetermined dollar amount.

Resolving a liability claim is expensive and requires timely payments, which can be challenging for smaller enterprises with tight budgets. Without commercial auto insurance, your company may be responsible for making a substantial payment with little time to prepare financially. Liability insurance exists to prevent sudden liability expenses from stifling your growth.

XINSURANCE Commercial Auto Insurance Coverage

XINSURANCE is a leading brokerage for commercial auto insurance policies. Our staff can assess your current policy for gaps or inefficiencies, then customize a new plan. We use an all-in-one approach to building insurance policies so we can develop packages that cover vehicle damage and injuries on both sides of the incident. Choose XINSURANCE for a custom plan that includes coverage for any or all of the following:

  • Collisions: When your vehicle hits an object or vice versa
  • Property damage: When your vehicle damages someone’s property
  • Medical payments: When a passenger requires medical treatment after an accident
  • Uninsured drivers: When a third party suffers injury or vehicle damage as the result of an uninsured, underinsured, or hit-and-run driver
  • Physical damage: When your vehicle suffers damage from fire, flood, theft, and other applicable scenarios

A commercial auto insurance policy can also cover bodily injury when you, your employee, a passenger, or the other driver suffers an injury or death. This does not fall under workers’ compensation.

How Does Commercial Auto Insurance Protect Me and My Business?

Medical and vehicle repair expenses add up in the wake of an automobile accident. A liability policy will kick in when the covered costs eclipse your deductible amount, providing the money required to ensure drivers and vehicles receive the attention they need without a significant hit to your bottom line.

Additionally, auto insurance is a legal requirement in almost every state. Driving without insurance can result in hundreds of dollars in violation fees — penalties that increase dramatically if your uninsured driver or vehicle is involved in an accident. Commercial auto liability coverage will give you the peace of mind that your vehicles on the road comply with insurance requirements.

Types of Businesses Commercial Auto Insurance Helps

Commercial auto liability insurance is advisable for any company that uses vehicles to travel between job sites, transport equipment, or deliver food. At XINSURANCE, we partner with the following types of companies and more:

  • Towing and repossession
  • Garbage collection and recycling
  • Delivery services
  • Taxis, limos, and paratransit
  • Bus companies
  • Trucking companies
  • Rideshare services
  • Contractors
  • Food vendors
  • Landscapers

Get in Touch

Expenses add up after an accident, but auto liability insurance can help prepare your business for uncertainty. At XINSURANCE, we create peace of mind by tailoring liability packages to commercial businesses’ needs. We encourage you to get in touch for more information on commercial auto liability coverage in your state or to request a quote.


Driver safety is the biggest source of fleet liability risk. Whether a business has a fleet of trucks or just one or two salespeople on the road, it could be at risk for a costly lawsuit. Many companies don’t realize they have an important duty of care to do all they can to ensure they put only safe drivers on the roads. An MVR on each driver, monitored monthly, can help the company achieve this- driver after driver.

Download this FREE ebook to learn about MVR Monitoring and Reporting in the Transportation Industry to use as a guideline, whether you’re an insurance producer or an insured!

xinsurance MVR





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.


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


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

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