How Do I Secure the Right Commercial Auto Insurance for My Fleet in Illinois? 

If your business operates a fleet of vehicles in Illinois—whether for deliveries, service calls or transporting goods—commercial auto insurance is not just a legal requirement. It can be a vital layer of protection. The right policy safeguards your assets, employees and operations from costly accidents and liability claims.

Step 1: Assess Your Fleet and Usage

Start by listing all vehicles in your fleet, including their makes, models and usage patterns. Consider how often they’re driven, who operates them and whether they cross state lines. This helps determine the level of risk and the type of coverage needed.

Step 2: Understand Illinois Requirements

Illinois mandates minimum liability coverage for commercial vehicles, but these limits may not be enough for your business. Familiarize yourself with state laws and consider higher limits or additional coverage like uninsured motorist protection and medical payments.

Step 3: Identify Coverage Needs

Beyond liability, you may need additional financial protections, especially if you lease or have financed some of your vehicles. Evaluate whether you may need the following:

• Collision coverage

• Comprehensive coverage

• Hired and non-owned auto coverage

• Roadside assistance coverage

• Rental reimbursement coverage

• Cargo insurance

Step 4: Compare Providers and Policies

Work with a broker or use commercial insurance marketplaces to compare quotes from multiple insurers. Look for carriers with experience in your industry and strong claims support.

Step 5: Review and Customize

Tailor your policy to your business’s specific risks. Ask about fleet discounts, telematics programs or safety incentives that could reduce premiums.

Step 6: Maintain and Update

Regularly review your policy as your fleet grows or changes. Keeping your insurer informed ensures continuous, accurate coverage.

Get the Right Coverage

Contact Price Insurance in Lake Forest, Illinois, today to begin assessing your fleet’s coverage needs and exploring available policies.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.