400+
Gave Insurance350+
Satisfied Clients90%
Success Rates
19
States CoveredAuto Liability Coverage for Commercial Trucking
When you're behind the wheel of a commercial truck, you're not just moving freight—you're carrying legal responsibility. At Vatic Insurance, our Auto Liability Coverage keeps you compliant with state and federal regulations while protecting you from costly claims if you’re found at fault in an accident. <br> Whether you're an owner-operator, part of a growing fleet, or a leased-on driver, we provide tailored liability coverage to match your route, freight, and operation.
What Is Auto Liability Coverage?
Auto Liability Insurance is the most essential trucking insurance coverage—and it’s required by law for any commercial vehicle operating on public roads.
It protects you from financial loss if you or your driver cause:
- Bodily injury to others (medical bills, lost wages, legal fees)
- Property damage (repair or replacement of vehicles, structures, or public property)
This coverage ensures you meet DOT and FMCSA regulations and helps you secure contracts with brokers, shippers, and freight partners.
Who Needs Commercial Auto Liability Insurance?
You need this coverage if you:
- Own or operate a for-hire commercial vehicle
- Are a leased owner-operator or independent contractor
- Run a freight brokerage or fleet with DOT authority
- Carry freight intrastate or interstate
- Need to meet FMCSA financial responsibility requirements
Why Choose Vatic Insurance for Auto Liability?
Trucking Industry Experts
We specialize in coverage for commercial trucks—not general vehicles.
Fast COIs
Get Certificates of Insurance instantly—no delays when accepting loads.
Flexible Limits & Add-ons
Choose from $750K, $1M, or higher limits. Add cargo, general liability, physical damage, and more.
Nationwide Coverage
We insure drivers and fleets across the U.S., from Texas to California to New Jersey.
Trusted by Top Insurance Providers in the Nation
We work with the most respected names in insurance to offer you the best coverage options at competitive rates.
Where We Serve
Vatic Insurance provides Auto Liability Coverage to trucking operations across the country, including:
Expanding Nationwide: If your state isn’t listed, contact us—we may already be serving your area or can provide tailored options based on your location.
What Affects Your Auto Liability Insurance Cost?
Several key factors determine your premium:
- Driving record of all operators
- Vehicle type and class (tractor-trailer, box truck, etc.)
- Radius of operation and mileage
- Type of cargo hauled
- Business experience & years in operation
- Claims history and prior coverage gaps
- DOT safety record & inspection scores
At Vatic Insurance, we help you understand what drives your rate—and how to lower it responsibly.
Related Insurance Services
Physical Damage Coverage
Protect your truck from collision, fire, theft, and weather-related damage
Motor Truck Cargo Insurance
Covers the freight you haul from loss or damage in transit.
General Liability Insurance
Covers third-party injuries or property damage at your place of business or job site.
Owner-Operator Insurance
Custom plans for independent drivers, with all required coverages bundled.
