Contractors & Trades Insurance
Commercial Auto Insurance
for Contractors & Trades
Contractor trucks and vans carrying tools to job sites all day are at high risk for accidents and are excluded from personal auto policies. Commercial auto covers your vehicles for liability, collision, and comprehensive — even when employees drive them.
Industry-Specific Insight
Why Contractors & Trades Businesses Need Commercial Auto Insurance
Contractor trucks and vans carrying tools to job sites all day are at high risk for accidents and are excluded from personal auto policies. Commercial auto covers your vehicles for liability, collision, and comprehensive — even when employees drive them.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for contractors & trades operations.
FAQs
Common Questions from Contractors & Trades Businesses
Can I use my personal truck for my contracting business?
A personal auto policy likely won't cover a claim that occurs during business use. A commercial auto policy is required for vehicles used primarily for business.
Can I cover multiple work trucks under one policy?
Yes — a commercial fleet policy covers all of your vehicles under a single policy, often at a lower per-vehicle cost than insuring them separately.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Contractors & Trades Businesses Commonly Need
A complete protection plan for contractors & trades operations typically includes several complementary coverages.
Contractors & Trades · Commercial Auto
Get Commercial Auto Coverage for Your Contractors & Trades Business
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