Coverage
Commercial Auto
Trucks, vans, and fleets that carry your crew, tools, and materials.
What is commercial auto insurance?
Commercial auto covers the vehicles your business depends on — pickups, service vans, box trucks, dump trucks, and trailers — for liability and physical damage. Personal auto policies exclude business use, so an accident in a work truck without commercial coverage can leave you personally exposed.
For contractors, vehicles aren’t occasional — they’re rolling toolboxes running between jobs every day, often towing trailers or hauling material. That daily exposure is exactly what commercial auto is built for.
What it covers
- Liability — bodily injury and property damage you cause to others while driving for work.
- Collision — damage to your vehicles from accidents.
- Comprehensive — theft, vandalism, fire, and weather damage to your vehicles.
- Hired and non-owned auto — liability when employees drive personal or rented vehicles for business.
- Medical payments / PIP — injury coverage for you and your passengers, varying by state.
Who needs it
Any contractor with titled business vehicles — and any whose employees drive personal vehicles for work errands (that’s the hired and non-owned exposure most owners miss). Trades running multiple service vehicles daily, like plumbers, HVAC contractors, and electricians, and heavy-vehicle operations like excavation, need it most.
How much does commercial auto cost?
Premiums depend on vehicle types and values, radius of operation, driver records, and your state. Heavier vehicles and trailers cost more to insure than pickups. We compare multiple A-rated carriers to find the right rate for your fleet — get quotes here.
Frequently asked questions
Can I just use my personal auto policy for my work truck?
No — personal policies exclude business use, and a claim denial after an accident can be financially devastating. Titled-to-the-business vehicles need commercial coverage.
What is hired and non-owned auto coverage?
It covers your business’s liability when employees use personal vehicles for work tasks or when you rent vehicles — a gap many contractors don’t realize they have.
Are my tools covered if they’re stolen from my van?
Not under commercial auto — tools need inland marine coverage. Commercial auto covers the vehicle itself, not the equipment inside it.
Ready to protect your business?
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