Liability
Bodily injury and property damage you cause to others in a business-use vehicle.
Independent Insurance · Est. 1959
Your Vehicles Are on the Road. Is Your Coverage Keeping Up?
Commercial auto claims are among the most expensive losses a business faces, and personal auto policies exclude business use. We compare fleet and single-vehicle programs from multiple top-rated carriers and build limits that stand up to a serious accident.
Serving clients since 195940+ carriersLicensed nationwide
Get My Insurance Options
Tell us a little about your business. A licensed insurance advisor will review your needs and contact you to discuss your options.
Commercial Auto
What commercial auto insurance covers.
Owned vehicles, borrowed vehicles, and the employees driving them.
Physical Damage
Collision and comprehensive coverage for your own vehicles, including theft and weather.
Hired & Non-Owned Auto
Rented vehicles and employees using personal cars for company errands.
Trucks, Trailers & Equipment
Box trucks, service vehicles, trailers, and attached tools or specialty equipment.
Uninsured & Underinsured Motorists
Protection when the at-fault driver has little or no insurance.
Rental Reimbursement & Towing
Keeps crews working while a damaged vehicle is being repaired.
Personal auto excludes business use. If employees drive for deliveries, service calls, or client visits, a personal policy can deny the claim — and the liability lands on the business.
Family-owned since
1959
Why Mayer & Steinberg
Boutique service. Institutional reach.
Independent agency
We answer to you — not a single carrier.
40+ carrier network
Real market access for real competitive pricing.
Competitive pricing
Side-by-side quote comparisons, every renewal.
Personalized guidance
A dedicated advisor — not a call center.
Long-standing reputation
Serving businesses and families since 1959.
Process
From first call to bound coverage.
A streamlined process designed around your time, not ours.
- 01
Submit Review
Share a few details about your business in just a few minutes.
- 02
Discuss risks
A licensed advisor walks through your exposure and gaps.
- 03
Compare Coverage Options
We review coverage options from leading insurance carriers and present the solutions that best fit your business.
- 04
Get coverage
Bind the right policy, with ongoing support at renewal.
Clients
Trusted by fleets and service businesses.
"They restructured our fleet program and added hired and non-owned that our prior broker never mentioned."
Rick D.
Operations Manager, HVAC Contractor
"After an at-fault accident they kept us placed with a carrier instead of pushing us to the excess market."
Monica F.
Owner, Delivery Company
How we help fleets control cost.
- Driver MVR review and hiring standards that carriers reward with better rates
- Radius, garaging, and vehicle use verified so you aren't rated as long-haul
- Telematics and safety program discounts where carriers offer them
- Hired and non-owned auto added for employees driving personal vehicles
- Combined single limits reviewed against real accident severity
- Certificates and filings handled quickly for contracts and DOT requirements
FAQ
Commercial auto questions we hear most.
When does my business need commercial auto instead of personal auto?
Once a vehicle is titled to the business, used to transport goods or equipment, or driven by employees for work, a personal policy generally won't respond. Commercial auto is the correct form.
Do I need coverage if employees drive their own cars?
Yes — hired and non-owned auto liability protects the business when an employee causes an accident on company time in their own vehicle. It is inexpensive and frequently missing.
What liability limit should I carry?
Many contracts require $1M combined single limit, and serious injury claims can exceed that quickly. A commercial umbrella sitting above the auto policy is usually the cheapest way to add real protection.
How do driving records affect my premium?
Heavily. Carriers price on MVRs, accident history, and driver tenure. A written hiring standard and annual MVR checks make you a better risk and often unlock preferred programs.
Are tools and equipment in the vehicle covered?
Not by the auto policy. Tools and stock in transit belong on an inland marine or commercial property form, which we can quote together with your auto.
Get My Insurance Options
Tell us a little about your business. A licensed insurance advisor will review your needs and contact you to discuss your options.
Serving clients since 195940+ carriersLicensed nationwide