Auto and garage
Hedge Commercial Auto and Trucking Supplemental
A fillable Hedge supplemental for commercial auto and trucking operations.
View form and fillable PDF →Class and coverage guide
Commercial auto insurance for small trucking fleets.
Commercial Auto and Trucking is included in Hedge's published target coverage for Small fleet trucking (1 to 10 power units) under the line Commercial Auto Liability, with a published target of $1M CSL. The current public class status is in current public appetite. Hedge must confirm current fit, route, and available terms after reviewing the real account.
Coverage details
How this coverage applies to the class.
Commercial auto insurance commonly addresses liability and physical damage arising from scheduled business vehicles, while motor carrier programs may add cargo, trailer, non-trucking, or other transportation coverages. Wholesale review may be needed for fleet composition, radius, commodities, driver history, new ventures, losses, or difficult operations.
Class context. Local & regional trucking, 1-10 power units. Auto liability, cargo, and physical damage.
Terms depend on the policy and account
Coverage depends on the issued forms, endorsements, exclusions, conditions, limits, and facts accepted by the insurer.
Small fleet trucking details
What underwriters review for a small trucking fleet.
A small fleet trucking review starts with the business's operating authority, power units, drivers, normal and maximum radius, states traveled, commodities hauled, and loss record. The underwriter will also need to understand vehicle ownership, garaging, maintenance, driver hiring, dispatch, safety controls, and any new-venture or long-haul exposure.
What to prepare
- Unit schedule with year, make, model, VIN, power-unit type, ownership, garaging, stated value, and requested physical damage coverage
- Driver list with license and CDL details, experience, hire date, vehicle assignment, and current motor vehicle records
- Operating narrative with MC and USDOT numbers, normal and maximum radius, states traveled, commodities, contracts, and annual mileage
- Currently valued loss runs for each requested line, plus a direct explanation of material accidents, violations, open claims, or driver changes
- Maintenance, inspection, driver qualification, dispatch, hours-of-service, telematics, and written safety procedures
Keep each trucking coverage separate
The $1 million combined single limit shown here is Hedge's public target for commercial auto liability, not a quote or promise of terms. Motor truck cargo, physical damage, general liability, trailer interchange, non-trucking liability, and other coverages should be reviewed separately instead of being assumed to follow the auto liability policy.
Underwriting facts
Facts that affect eligibility and terms.
- MC number + USDOT
- Driver MVRs (last 3 years)
- Radius of operation
- Commodity hauled
- 5-year loss runs
Conditions that need closer review
- Long-haul (> 500 mi radius)
- New ventures (< 1 year MC)
- High-value cargo (electronics, pharma)
- Hazmat placardable loads
- Tankers (chemical)
- Auto haulers without specialty form
Stronger starting profile
Controls and supporting information.
- Local/intermediate radius (≤ 500 mi)
- Dry van / refrigerated
- CDL drivers, 3+ years experience
Hedge forms
Useful class-specific preparation resources.
These Hedge-owned forms may help organize the account. A form listing does not make the form mandatory for every submission and does not prove appetite or market access.
Any risk
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
View form and fillable PDF →Standard form references
Common commercial form sections to understand.
Use the edition accepted by the intended market. Hedge explains these form purposes but does not republish ACORD files in its public form library.
ACORD 127
Business Auto Section
The business auto section used to organize the requested auto coverage, vehicle use, operating radius, garaging, and other fleet-level information. Vehicle and driver schedules may be required with it.
Read form guide →ACORD 129
Vehicle Schedule
ACORD 129 is the Vehicle Schedule used to list vehicles connected to a commercial auto submission. It organizes unit-level details such as identification, type, use, garaging, value, and requested physical damage treatment.
Read form guide →ACORD 163
Commercial Auto Driver Information Schedule
A schedule for driver-level information connected to a commercial auto submission. It supports review of driver eligibility, experience, vehicle assignment, and motor vehicle record history.
Read form guide →State detail
Published class-specific state notes.
No class-specific state override is published for this class. State availability and account facts still require current review.
Next step
Prepare the account for Hedge review.
Open the class submission guide for the first-packet checklist, then have Hedge review the actual account. Do not infer a carrier, route, or authorization from this public page.