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Insential welcomes your insured's Commercial Auto Insurance business. We provide access to competitive markets for fleet operations with light, medium, and heavy vehicles operating within local and intermediate radius exposures. Whether you're working with a single unit or a large fleet, we offer flexible liability limits ranging from $300,000 to $1,000,000 Combined Single Limit (CSL) for qualified accounts. Ideal Accounts and Appetite Our program is designed for a broad range of commercial auto risks, with a focus on businesses that own and operate fleets as part of their core operations. We are particularly competitive on accounts with lower percentages of heavy or extra-heavy units. Target Classes Include: Marine Contractors General, Specialty, and Trade Contractors Life Sciences Companies Manufacturing and Distribution Operations Engineering Firms Service and Consulting Companies If you're working with a regional HVAC contractor operating a fleet of 15 light/medium duty trucks, or a manufacturing company with a mix of delivery vans and box trucks, this program could provide the tailored coverage and limits they need. Coverage Highlights and Advantages Available Coverages: Commercial Auto Liability Commercial Auto Physical Damage Competitive Umbrella & Excess for Truckers and Large Fleet Exposures Workers Compensation for Transportation Classes Transportation Pollution We provide a comprehensive package of coverages to help your clients manage their auto-related exposures, including options for environmental liability and excess limits for larger fleets. Underwriting Notes and Submission Requirements To expedite underwriting, please provide the following: Completed ACORD application with FEIN, vehicle usage details, and radius of operations Five years of currently valued loss runs Current driver list, including MVRs if available Operations guidelines, safety manuals, and any required filings **Please note: Our carrier partners currently require a low percentage of heavy or extra-heavy units. Territories and Market Access Insential offers this Commercial Auto Insurance program on a non-admitted basis through various markets, depending on the risk profile. We are able to write business in most states, including AL, AZ, CA, FL, GA, IL, NY, TX, WA, and many others. Why Work With Insential As an experienced Excess & Surplus Lines Broker, Insential is committed to providing expert guidance, aggressive market access, and excellent service to help you place your transportation-related risks. We understand the unique exposures of commercial auto clients and have the tools to help you deliver smart solutions for both small fleets and more complex operations. INSENTIAL – Committed to earning your business through expertise, aggressive marketing & excellent service. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto Insurance program?We are a strong market for contractors, manufacturers, service companies, and other fleet-based operations with light to medium vehicles operating within a local or intermediate radius. Do you offer coverage for heavy trucks or long-haul operations?We can consider accounts with some heavy units, but our appetite favors risks with a low percentage of heavy or extra-heavy vehicles. What limits of liability are available?We offer liability limits ranging from $300,000 to $1,000,000 CSL for qualified risks, with excess and umbrella options available for larger fleets. Is Workers Compensation available as part of this program?Yes, Workers Compensation is available for transportation-related classes as part of our broader offerings. In which states can I write business through this program?We can write Commercial Auto business in most U.S. states, including CA, TX, FL, IL, NY, and many others. Need help placing an account? Connect with a market specialist.

... Environmental Services and Consultants Manufacturers and Distributors...mercial contractors, environmental consultants, real estate operations, and ma...

... and Storage Tank Liability Consultants Architects and Engineers N...

... and Storage Tank Liability Consultants Architects and Engineers N...