Commercial Auto Insurance in Pennsylvania
Personal policies exclude business use. If your PA business uses a vehicle — even a single van — you need real commercial auto coverage. We handle it, fast.
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Commercial Auto Insurance in Pennsylvania
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PA commercial auto basics
PA requires minimum liability for commercial vehicles, but the real-world requirement from shippers, brokers, and GCs is typically $1M combined single limit (CSL). We make sure your policy clears every contract requirement.
PA-specific quirks: First-Party Benefits (FPB) — medical, work loss, funeral, accidental death — apply to commercial autos too. We help you choose the right FPB stack.
What every PA commercial auto policy should include
Liability ($1M minimum), physical damage (comp + collision) for newer vehicles, uninsured motorist coverage, medical payments, and rental reimbursement so a wrecked van does not stop your business.
Hired and non-owned auto (HNOA) covers business use of an employee's personal vehicle — critical for any business with employees running errands, making deliveries, or driving to job sites.
Box trucks, fleets, and dual-state operations
We write straight trucks, refrigerated trucks, dump and equipment trailers, food trucks, mobile service vehicles, and small fleets of 5–25 vehicles.
If you operate in both PA and Ohio (or surrounding states), we structure your policy to cover all states — and handle DOT compliance for any interstate operations.
Frequently Asked Questions
Quick answers about commercial auto insurance in Pennsylvania, PA.
Related Insights
Plain-English guides from our blog — relevant to commercial auto insurance.