Commercial Auto

Commercial vehicle insurance—built around your operation

As an independent insurance agency, we place commercial auto coverage with top-rated carriers across the U.S. Whether you’re an owner-operator or managing a growing fleet, our agents tailor limits, endorsements, and filings so you stay compliant, contract-ready, and confident on every mile.

We help with quotes, certificates of insurance, and endorsements fast — so you can keep trucks rolling and jobs moving without delays.

Diverse coverage for varied operations

We place coverage for a wide range of commercial vehicles and uses:

Dump TrucksTow TrucksLiveryTanker TrucksCar HaulersBox TrucksSemi-TrucksAuto TrailersVan

Commercial vehicle insurance isn’t a single policy—it’s a set of protections shaped around your routes and contracts. Core pieces include Auto Liability, Physical Damage, and Motor Truck Cargo, with options like General Liability, Hired & Non-Owned Auto, Trailer Interchange, and UM/UIM. We tailor limits and endorsements so filings and shipper requirements are met.

Understanding the need for coverage

Running commercial vehicles exposes your business to high-impact risks — liability claims, vehicle damage, cargo loss, and costly downtime. Proper commercial auto coverage protects cash flow, keeps you contract-ready, and helps you stay compliant on every route.

$50K+

A single at-fault loss can exceed this limit once repairs, towing, and legal fees are counted. Proper limits prevent out-of-pocket shocks.

$1M

Common auto liability limit required by brokers and shippers. We coordinate necessary FMCSA/state filings.

$100K

Typical Motor Truck Cargo limit for general freight; higher options available for high-value or reefer loads.

76%

Operational disruptions we see involve collision repairs or vehicle downtime. Physical Damage, Rental/Downtime, and UM/UIM help your business recover faster.

Factors influencing insurance costs

Kaluga Premium Insurance meticulously evaluates these factors to tailor insurance policies that provide maximum coverage at the most competitive rates.

Operating radius
& states of travel

Vehicle class (GVWR) & value

Drivers’ experience, including age and commercial driver’s license history

Loss history, required limits & deductibles

Frequently
Asked Questions

What’s the difference between personal auto and commercial auto?

Commercial auto is designed for business use: higher liability limits, business-use definitions, hired/non-owned exposures, and policy forms that meet shipper and job-site requirements. Personal auto typically excludes hauling for hire and many business activities, leaving critical gaps.
I’m a new venture. Can I get covered?

Yes. New DOTs and MCs can be insured. We’ll help structure realistic limits, set up required filings, and position your account with carriers that accept new ventures. Safety plans and clean MVRs improve pricing and options.
How fast can I get a certificate of insurance (COI)?

For active policies, most COIs are issued the same business day. Send the holder name, address, and any wording (Additional Insured, Waiver of Subrogation, etc.), and we’ll deliver what your broker or shipper needs.
What filings can you handle?

We coordinate FMCSA/state filings with the carrier (e.g., BMC-91X, MCS-90) as needed. Tell us your operating authority and states, and we’ll make sure filings align with your policy and go through on time.
What affects my premium the most?

Driver records, experience, vehicle class/value, garaging ZIPs, radius, commodities, loss history, and required limits/deductibles. We’ll review each factor and shop multiple markets to match coverage with price.

We specialize
in commercial insurance

Call now to talk to an expert, or find
an independent agent

818 899 8000