What liability pays for
When a driver operating a vehicle for your business causes a crash, auto liability pays for other people's injuries and damaged property, up to the limit, and for the legal defense if the business is sued. It does not repair your own vehicle; that is physical damage coverage.
Combined single limit or split limits
A combined single limit is one amount that applies to bodily injury and property damage together for each accident. Split limits set separate amounts for each injured person, each accident and property damage. Many business contracts are written around a combined single limit, so quotes are often compared that way.
State minimum limits are set for personal drivers and are usually far below what a commercial client will accept. Before you request quotes, check your contracts and any job-site or vendor agreements for the exact wording they require.
Who is covered
The named business, plus employees and others using a covered vehicle with permission, are generally insureds under the liability coverage. Excluded drivers, unlisted drivers on some policies, and personal use outside what the policy allows can create gaps, so keep the driver list current.
Frequently asked questions
Does liability cover my own injuries?
No. Liability pays others. Injuries to your employees while working are usually handled by workers compensation, and medical payments or PIP may help occupants depending on the state.
Can I add an umbrella later?
Yes. A commercial umbrella or excess policy can sit above auto liability, and the insurer will require a minimum auto limit underneath it.