General Contractors Insurance
Commercial Auto Insurance
for General Contractors
GC operations depend on trucks, vans, and sometimes heavy equipment on public roads. Commercial auto covers your vehicles for liability and physical damage and can extend to non-owned vehicles when employees run company errands in personal vehicles.
Industry-Specific Insight
Why General Contractors Businesses Need Commercial Auto Insurance
GC operations depend on trucks, vans, and sometimes heavy equipment on public roads. Commercial auto covers your vehicles for liability and physical damage and can extend to non-owned vehicles when employees run company errands in personal vehicles.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for general contractors operations.
FAQs
Common Questions from General Contractors Businesses
Does commercial auto cover project supervisors using their personal vehicles?
Not automatically. Hired and non-owned auto (HNOA) coverage extends your policy to personal vehicles used for business and is a critical addition for GCs.
Do we need separate coverage for heavy equipment on job sites?
Heavy equipment typically needs inland marine or contractors equipment coverage rather than commercial auto when it's being used on site (not driven on roads).
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 General Contractors Businesses Commonly Need
A complete protection plan for general contractors operations typically includes several complementary coverages.
General Contractors · Commercial Auto
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