Liability, physical damage, uninsured motorists, medical payments, towing, rental, and other options vary by state and form.
Transportation and Marine
Commercial Auto and Trucking.
Vehicles are the schedule. Drivers and operations are the risk.
Commercial auto can cover liability arising from covered business vehicles and, when selected, physical damage and related auto exposures. Trucking and specialized fleets may also need cargo, trailer interchange, filings, non-trucking, hired and non-owned auto, or other coverage built around the actual operation.
Placement context
Facts to confirm before applying.
A clean vehicle list and MVR package get attention, but the business model decides the market. Tell us what each unit does, who drives it, where it goes, what it carries, how it is maintained, and how dispatch and safety work. A fleet is an operating system, not a spreadsheet of VINs.
Coverage scope
What the coverage may address.
Hired and non-owned auto, employee-owned vehicles, leased units, trailer interchange, and mobile equipment create distinct questions.
Filings, radius, commodities, driver qualification, electronic logs, and federal or state authority can determine eligibility.
Placement factors
Facts that affect placement.
- Trucking, delivery, livery, towing, contractors, or specialized vehicles
- New ventures, drivers with adverse history, or prior losses
- Long radius, difficult commodities, filings, or multi-state operations
- Mixed vehicle ownership, hired and non-owned auto, or complex contractual requirements
Coverage and access are separate questions
Coverage guidance does not confirm a current market route, quote, policy terms, or bind authority for a particular account.
Submission preparation
Prepare a consistent underwriting file.
Account narrative
Describe the fleet as it operates on a normal day and a bad day: units, drivers, cargo or service, route, maintenance, supervision, claims, and the exact auto coverages required.
Include these facts
- Vehicle, driver, and loss schedules
- Operations, radius, commodities, filings, and annual mileage
- Revenue, vehicle ownership, leasing, maintenance, and safety controls
- Requested liability, physical damage, cargo, and ancillary coverages
Resolve these questions before market review
- Who owns, drives, leases, and maintains each vehicle?
- What is hauled, for whom, and over what radius?
- Which filings, contracts, or hired and non-owned exposures apply?
- What driver or loss trends require an explanation?
Submission errors
Avoid these three issues.
- VINs, drivers, and garaging that disagree across schedules
- Quoting local without a measured radius, territory, and trip pattern
- Leaving out hired vehicles, employee-owned vehicles, trailers, or seasonal drivers
Hedge resources
Forms and class guidance.
Hedge forms
Review the form and download a fillable PDF.
Class guidance
Public, directional appetite to help prepare for account-specific review.
Related coverage
Review related exposures.
Casualty and Excess
Commercial General Liability
The class code gets the file opened. The operations narrative gets it quoted.
Open coverageProperty and Package
Inland Marine
If the property moves, travels, is installed, or sits in someone else's care, the building policy may not be enough.
Open coverageCasualty and Excess
Commercial Umbrella and Excess Liability
More limit is not the same as more coverage.
Open coverageHedge review
Send the account for review.
You do not need a perfect packet to start. Send the account, requested line, effective date, current applications, available loss information, and the fact making the placement difficult. Hedge will separate missing information from market-ready information before any account-specific route is confirmed.