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Commercial Auto Insurance in Pennsylvania

Pennsylvania’s general motor-vehicle floor is $15,000/$30,000/$5,000. A PUC-regulated common or contract carrier instead faces a separate public-liability filing schedule—$300,000 at or below 10,000 pounds and $750,000 above that threshold—so identify the authority class and vehicle weight before setting the limit. 1,2

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Pennsylvania Requirements

RequirementDetails
General financial-responsibility floor$15,000 / $30,000 bodily injury; $5,000 property damage 1
PUC common/contract carrier liability filing$300,000 at or below 10,000 lb; $750,000 over 10,000 lb 2
PUC property-carrier cargo proof$5,000 per vehicle for loss or damage to cargo 2

What to Watch for in Pennsylvania

  • Carrier Authority Changes the Limit

    The PUC schedule is for vehicles operated in common or contract carrier service; it sets $300,000 for a single vehicle at or below 10,000 lb GVWR and $750,000 above 10,000 lb. Confirm the PUC classification and manufacturer weight rating for every unit before choosing the filing limit. 2

  • Keep Registration Proof Current

    Pennsylvania requires proof on request and prohibits operating or permitting operation without financial responsibility. A lapse can suspend registration and operating privileges; coordinate policy cancellation with replacement coverage or plate surrender. 1

  • Ask About Assigned-Risk Access if Needed

    PennDOT accepts a valid Pennsylvania Assigned Risk Plan application as evidence in specified insurance verification situations. If voluntary placement is unavailable, ask an agent whether the application is appropriate and what remaining steps PennDOT requires. 3

  • Keep Cargo Proof Separate

    The PUC lists $5,000 for loss or damage to cargo carried on a motor vehicle, separate from the public-liability schedule. Confirm that your carrier filing includes cargo proof when it applies to the property service. 2

Who Regulates Insurance in Pennsylvania

Pennsylvania Insurance Department

The Pennsylvania Insurance Department publishes state tools to check licensed producers, agencies, and insurers, and its Consumer Services Online portal accepts complaints about insurers, agents, brokers, and public adjusters. The department also oversees Pennsylvania insurance business and consumer services. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premium (2% for eligible surplus-lines risk retention groups) Pennsylvania charges 3% of gross surplus-lines premiums (2% for an eligible surplus-lines risk-retention group); the tax is in addition to premium, is borne by the insured, and is collected by the producer. For multistate risks, the 2025 Revenue instructions say all gross premiums are taxable when Pennsylvania is the home state, while Insurance Company Law §1621(d) says tax is levied only on premium reasonably ascribable to Pennsylvania risk; confirm allocation with your producer or the state. Surplus-lines coverage is excluded from the guaranty association, and qualifying large risks or exempt commercial purchasers may use distinct no-search routes, with the ECP route requiring disclosure and written request. 7,8,9,10

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Pennsylvania. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 13
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 16

Questions to Ask Before You Buy in Pennsylvania

  1. Is our operation common or contract carrier service regulated by the Pennsylvania PUC, or does only the general vehicle floor apply?
  2. What manufacturer GVWR or GCWR does the PUC use for each truck and combination?
  3. If we are switching policies, when will replacement proof reach PennDOT and the PUC before the old filing ends?
  4. Does the PUC property-carrier rule require a separate $5,000 cargo filing for our service?

Commercial Auto in Pennsylvania: FAQ

What is Pennsylvania’s minimum auto liability coverage? 1

Pennsylvania defines the general financial-responsibility floor as $15,000 for injury to one person, $30,000 for two or more, and $5,000 for property damage. PUC-regulated carrier filings have separate limits. 1

Does a Pennsylvania motor carrier need more than the general minimum? 2

A vehicle in common or contract carrier service faces the PUC’s weight-based schedule: $300,000 at or below 10,000 pounds and $750,000 above 10,000 pounds. Verify that your operation is within that carrier class. 2

What cargo amount does Pennsylvania list for property carriers? 2

The PUC lists $5,000 for loss or damage to cargo carried on a motor vehicle, separate from the liability schedule. 2

Commercial Auto in Other States

Other Coverage in Pennsylvania

Sources

  1. 75 Pa.C.S. Chapter 17, Motor Vehicle Financial Responsibility Law. Pennsylvania General Assembly; §1702 definition of financial responsibility; §1786(a),(c),(d),(e),(f): registration proof, lapse consequences, no-operation duty; current code page accessed 2026-09-28. Accessed 2026-09-28.
  2. Insurance. Pennsylvania Public Utility Commission; Carrier filing schedule for common/contract service by manufacturer GVWR/GCWR; current regulator page accessed 2026-09-28. Accessed 2026-09-28.
  3. Insurance Overview. Pennsylvania Department of Transportation; Assigned Risk Plan application as accepted evidence for specified insurance verification; current page accessed 2026-09-28. Accessed 2026-09-28.
  4. pennsylvania insurance regulator. State insurance regulator; PID official agency page and the search/consumer-help service map. Accessed 2026-09-28.
  5. Pennsylvania Insurance Industry Search Tool Library. State insurance regulator; PID identifies consumer Sircon and detailed individual, business-entity, and company search tools. Accessed 2026-09-28.
  6. File a Complaint with Your Insurance Company, Agent, Broker, or Public Adjuster. State insurance regulator; PID directs insurance complaints and questions to its Consumer Services Online portal. Accessed 2026-09-28.
  7. RCT-123 Gross Premiums Tax - Surplus Lines Agents (2025). Pennsylvania Department of Revenue; Instructions p. 4, imposition/base/rate: 3% on gross premiums; insured bears tax, producer collects/remits; RRG exception 2% per statute. Accessed 2026-09-28.
  8. Insurance Company Law, §1621. Pennsylvania General Assembly; Subsection (d): multi-state tax is levied only on premium reasonably ascribable to Pennsylvania risk. This differs from the 2025 RCT-123 instructions, which state all gross premiums taxable if PA is home state; see source tax. Accessed 2026-09-28.
  9. Insurance Department Act, surplus-lines notice provision. Pennsylvania General Assembly; Policy legend: insurer is not licensed and surplus-lines insurance is NOT covered by Pennsylvania Insurance Guaranty Association. Accessed 2026-09-28.
  10. Pennsylvania Insurance Company Law §§1604 and 1610 (40 P.S. §§991.1604, 991.1610). Pennsylvania General Assembly; Act 28 of 2011 §1610(a), (a.1): large-risk criteria and ECP disclosure followed by written request exempt from diligent-search requirements. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  13. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  14. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  15. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  16. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  17. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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