Commercial Auto Insurance


In the span of a little over century, commercial auto insurance has run the gamut from the first motorized gas-powered vehicle to the prospect of driverless cars. While drones or autonomous vehicles may be the commercial fleet of the future, today’s businesses need good, solid commercial auto insurance. Gilbert’s Risk Solutions has been providing that to neighboring businesses since the turn of the last century.

Do you need a Pennsylvania commercial auto insurance policy? Yes, if you own, lease, or rent one or more vehicles that you or at least one employee uses for business.  All U.S. states mandate commercial vehicle liability. The term “auto” encompasses a wide variety of business-use vehicles:  vans, taxis, pickup trucks, limos, and buses. If you transport goods or people, if you make deliveries, if your vehicle is licensed or registered as a commercial vehicle , or if you are an independent contractor that uses your car for business, this insurance is for you.


There are many coverage variables and options that can fluctuate widely from insurance carrier to carrier. We will recommend the best options from our more than 100 insurers based on your needs. There are also special rules that may apply: If you have large trucks, you need truck liability; if you transport goods or persons across state lines, there are federal requirements; if you are engaged in public transportation with workers classified as “safety-sensitive,” there are D.O.T. requirements.


It’s complicated. Whether or not you have your business insurance program with Gilbert’s Risk Solutions, we encourage you to contact us if you have questions about our Pennsylvania Commercial Auto insurance options.


While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.

Commercial Auto Insurance typically includes:


Liability insurance

  • Bodily injury
  • Property damage
  • Uninsured Motorist and Underinsured Motorist


Physical damage coverage

  • Collision
  • Comprehensive



Frequent coverage options:


  • Rental replacement
  • Towing
  • Roadside assistance
  • Vehicle replacement cost
  • Leased & Loan vehicles
  • Gap Insurance  
  • Fire and Theft with CAC Insurance

Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

Our goal is to be your outsourced risk management partner

Every day, there are about 6,500 injuries and 90 fatalities related to motor vehicles. Whether you are at fault or not, vehicle-related accidents can be costly. It is imperative for your business to be in compliance with any commercial vehicle regulations and protected from loss should an accident occur. At Gilbert’s Risk Solutions, our goal is to work with you to ensure that you have your business protected from exposures with the right Pennsylvania Commercial Auto Insurance policy.

Managing Risks

Gilbert’s Risk Solutions takes a risk management, consultative approach to your business. Insurance helps to insulate you financially from loss, but it is only one part of a comprehensive risk management program aimed at reducing losses, and ultimately, the cost you pay for insurance. We start by getting to know your business and all the factors that would affect your commercial auto policy; we then offer a risk mitigation plan, as well as the insurance options tailored to your unique business profile.

Controlling Costs

We help you to anticipate risks and control losses through best practices, such as: hiring safe drivers; offering driver training; and establishing policies and procedures for drivers. These procedures might include a variety of measures, such as mandatory seatbelt use; prohibition of drug and alcohol use; distracted driving policies for cell phones; limiting non business use of vehicles, and establishing reporting and filing expectations should accidents occur. We’ll also advise you if there are any available discount or safety programs that could lower your Commercial Auto Insurance costs.

360 Degree Approach

A benefit of working with Gilbert’s Risk Solutions is that we take a 360 degree approach to our clients’ risk. Our team of experts in Loss Control, Human Resources (HR), Employee Benefits and training are all available to our clients. HR expertise may be helpful if you need to establish a best-practice hiring process, establish policies, have access to an EAP, or want to implement drug testing.