Best Commercial Auto & Truck Insurance in Philadelphia, PA
Philadelphia’s Trusted Partner for Commercial Auto & Truck Insurance
Looking for reliable coverage that understands your business? Royal Service Commercial Auto & Truck Insurance is here to protect what drives your success—your vehicles. From box trucks to semis, from one rig to an entire fleet, we provide expert-crafted insurance solutions tailored for Philadelphia’s streets and beyond.
Why waste time with generic, cookie-cutter policies? Our team offers fast quotes, same-day binding, and ongoing support that keeps your operations moving. Whether you're an owner-operator or manage a growing team, we bring you peace of mind—without the paperwork headache.
✔Local Expertise: Located right in Center City, we understand Philadelphia’s insurance regulations, routes, and commercial vehicle needs.
✔Fast Certificates & COIs: Need to show proof of insurance fast? We issue COIs the same day for contractors, trucking companies, and business owners.
✔Customized Coverage: From Hired & Non-Owned Auto to Motor Truck Cargo, our agents design your policy based on your actual risks.
✔Fleet Management: Whether you have 2 trucks or 20, we help you control costs while staying DOT compliant.
✔Local Market Knowledge: We understand Philly’s traffic patterns, permit requirements, and risk factors.
✔Tailored Policies: Get protection based on your vehicle type, cargo, and routes—no one-size-fits-all coverage.
✔Fast Certificate Issuance: Need COIs for jobs, vendors, or DOT? We deliver within minutes.
✔Affordable Rates: We compare top insurers to get you competitive pricing with no hidden fees.
Philadelphia Truck Insurance Tailored for Your Needs
Primary Liability: Covers bodily injury and property damage when you’re at fault in a commercial accident.
Physical Damage: Protects your truck from collisions, theft, and fire—on or off the job.
Bobtail & Non-Trucking Liability: Covers you even when your truck is off-duty but still out on the road.
Cargo Coverage: Especially important for those hauling goods into Philly’s ports or distribution centers.
General Liability Bundles: Available for contractors, electricians, HVAC techs, and similar trades.
Coverage Options for Philadelphia-Based Truckers
We offer a wide range of truck insurance coverages that meet FMCSA, DOT, and Pennsylvania state requirements.
Primary Liability: Covers injury or property damage caused by your vehicle in an accident.
Physical Damage: Protects your truck against theft, fire, vandalism, and collision.
Cargo Insurance: Required for many shippers; covers loss or damage to freight.
Non-Owned & Hired Auto: Coverage for vehicles your employees drive but don’t own.
General Liability Bundles: Protects your business beyond your trucks with optional GL coverage.
Serving Owner Operators, Fleets & Contractors in Philly
Whether you operate a single truck or manage a growing fleet, our insurance solutions scale with your business. We also serve contractors—like plumbers, electricians, and HVAC techs—who use commercial vehicles daily.
Owner Operators: Affordable liability, bobtail, and cargo packages.
Fleet Managers: Bulk policy discounts, endorsements, and fleet safety reviews.
Contractors: Bundled commercial auto + general liability options with fast COI generation.
Box Truck & Sprinter Van Drivers: Local courier and delivery coverage available.
Personal auto policies won't cover vehicles used for business. Commercial auto insurance ensures legal compliance and full protection for your business assets.
We cover box trucks, dump trucks, flatbeds, tow trucks, semis, cargo vans, food trucks, and more. If it rolls for business—we insure it.
Most clients receive same-day coverage! Just give us a quick call or request a quote, and we’ll guide you through fast, efficient binding.
Yes! We offer quick COI turnaround for contractors, brokers, landlords, or city requirements—often within the hour.
Absolutely. Our team helps with DOT filings, MCS-90, and more, ensuring you're compliant and ready to roll.
