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Auto Coverages

No matter what you need, we've got you covered.

Universal 1st Insurance provides a wide range of Commercial Auto coverages.

Auto Liability

Liability coverage pays for Bodily Injury and Property Damage that you’re found liable for.

Physical Damage

Physical Damage coverage pays for damage to your vehicle.

Medical Payments

Medical payment coverage pays the medical bills for occupants of a covered vehicle.

Uninsured/Underinsured Motorist

Uninsured and Underinsured Motorist coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks the coverage to pay for  damages (UIM coverage).


Pays for physical damage incurred upon an auto that is towed or carried by an insured’s vehicle.


Provides coverage for transported goods.


Provides liability coverage for vehicles that are non-owned, hired, leased, rented or borrowed.

Garage Liability

Pays for Bodily Injury and Property Damage for which you are liable, whether the liability arises out of garage operations or the use of a covered auto.

Garagekeeper's Liability

Garagekeepers coverage pays for damages to a customer’s auto that is left with you for service, repair, storage or safekeeping.

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