AUTO LIABILITY INSURANCE
for Trucking & Commercial Operations
ELITE PARTNERS INSURANCE GROUP
Primary Truck Liability Coverage That Keeps You Legal, Covered, and Moving.
Auto Liability Insurance—also known as Primary Liability Insurance—is the foundation of any commercial trucking operation. At Elite Partners Insurance Group, we provide commercial auto liability insurance that meets DOT requirements, satisfies broker and shipper contracts, and protects you when accidents happen.
Whether you’re an owner-operator or running a fleet, we make sure your auto liability coverage is set up correctly from day one—so you stay compliant and don’t risk costly gaps.

ELITE PARTNERS INSURANCE GROUP
Who NEEDS AUTO LIABILITY INSURANCE
Auto liability insurance is required for:
Owner-operators with active DOT and MC numbers
ANY SIZED TRUCKING FLEETS
Contractors using commercial vehicles
New ventures filing authority
Commercial businesses operating trucks
Available in 47 states (not licensed in Hawaii, Alaska, or Delaware)
ELITE PARTNERS INSURANCE GROUP
What Auto Liability Insurance Covers
BODILY INJURY Liability
Covers medical expenses, lost wages, and related costs if you cause injury or death to another person in an accident.
PROPERTY DAMAGE Liability
Pays for damage you cause to another person’s vehicle, building, or other property while operating your truck.
Legal Defense Costs
Includes attorney fees, court costs, and settlements if a claim or lawsuit is filed against you after an accident.
What Auto Liability Insurance
DOES
NOT
Cover
It’s important to understand what primary liability does not include:
- Damage to your own truck or trailer (Physical Damage required)
- Damage to the freight you’re hauling (Cargo Insurance required)
- Injuries to yourself (Occupational Accident or Workers’ Comp required)
We help you build a complete insurance program so nothing is left exposed.
Why Auto Liability Is Often Overpriced
Many trucking businesses overpay because:
1.
POLICIES AREN'T STRUCTURED CORRECTLY
2.
COVERAGE LIMITS DON'T MATCH THE OPERATION
3.
RISK ISN'T PROPERLY PRESENTED TO CARRIERS
We shop the market and structure your policy to fit your operation, not a generic profile—helping you stay compliant without paying more than you should.
ELITE PARTNERS INSURANCE GROUP
Stop Overpaying for Commercial Truck Insurance
If you’re an owner-operator, fleet owner, or contractor, chances are you’re paying for coverage you don’t need—or missing coverage you do. Elite Partners Insurance Group helps you switch smarter, with policies built to fit your operation and pricing that makes sense.
We shop the market, cut the waste, and get your coverage set up fast—so you can save money, stay compliant, and keep moving.
Serving 47 U.S. states.
Not Available in Hawaii, Alaska, or Delaware
A Commercial Truck Insurance Partner—Not Just Another Agent
Why Choose Elite Partners Insurance Group
Elite Partners Insurance Group specializes in commercial trucking insurance built to fit your operation. No cookie-cutter policies—just the right coverage to keep you compliant, protected, and saving money.
Fast commercial truck insurance quotes with quick turnarounds
Plain-language explanations—no insurance jargon
Policies structured to pass DOT audits, shipper requirements, and contracts
Strong relationships with factoring companies, finance companies, and fuel card providers
Real customer service before, during, and after the policy is written
OUR GUARANTEE
Every commercial insurance policy we sell is true to fit—no gaps, no wasted coverage, and no surprises when it matters most.