What Is Commercial Auto Liability Coverage?

Commercial Auto Liability Insurance protects your business if one of your vehicles causes bodily injury or property damage to others while being used for business purposes. Whether it’s a delivery van, service truck, or company car, this coverage helps pay for medical expenses, vehicle repairs, legal fees, and court judgments arising from an at-fault accident.

Without adequate liability protection, even a single accident could lead to severe financial losses or lawsuits. Most states require businesses that own or operate vehicles to carry this coverage as part of their Commercial Auto Policy, ensuring compliance with legal minimums while offering the financial strength to handle more serious claims.

By maintaining strong Commercial Auto Liability protection, your business safeguards its reputation, meets state insurance mandates, and keeps operations running smoothly—no matter what happens on the road.

WHY BUSINESSES CHOOSE CASEY INSURANCE

1. Comprehensive Liability Protection

We provide robust coverage limits that protect your business against costly third-party injury or property claims following an auto accident.

2. Multi-Vehicle & Fleet Options

Whether you manage one company car or a large fleet, we customize your policy to match your vehicles, routes, and driving patterns.

3. Claims Expertise That Works Fast

Our team handles every stage of the claim—from investigation to resolution—ensuring a quick response and minimal business disruption.

4. Ongoing Policy Optimization

We regularly review your driving records, routes, and business activities to keep your policy aligned with current risks and regulations.

It covers bodily injury and property damage that your business causes to others in a vehicle accident, along with legal defense and settlement expenses.

Any business that owns, leases, or operates vehicles for deliveries, transportation, or service calls needs this coverage to remain compliant and protected.

The two key components are Bodily Injury Liability (for medical and legal expenses) and Property Damage Liability (for repair or replacement of damaged property).

Yes. Coverage typically extends to employees driving company-owned or authorized vehicles for business purposes, as long as the policy lists those vehicles.

No. Liability coverage only pays for damage to others. To cover your own vehicles, you’ll need Collision and Comprehensive coverage on your commercial auto policy.

Coverage limits depend on your industry, fleet size, and risk exposure. Many businesses carry $1 million or more in liability protection for adequate coverage.

Accidents involving business vehicles can result in lawsuits and high repair costs. Liability coverage protects your company’s finances, reputation, and legal standing.

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+1 (888) 537-1412

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Secure Your Commercial Auto Insurance Today