As a contractor, you rely on your vehicle to get to and from jobsites.
The operation of a vehicle for business exposes a contractor to potentially large financial losses. Whether you’ve got a personal vehicle that doubles as your work truck or an entire fleet of vehicles that your construction business owns, contractor commercial auto can protect your vehicles from the risks of the road.

 

 

 

 You may need to consider commercial auto coverage if:

• Your business owns or leases any vehicles.
• Any of your employees drive their personal vehicle while conducting business for the company.
• There are any vehicles titled or registered to your business.
• You use your vehicle as your primary work vehicle.
• Any employees or non-listed drivers use your vehicle on a regular basis.
• Any of your vehicles have ladder racks, permanent toolboxes, or other equipment installed to support your business activities.

There is no substitute for experience, so if you’re trying to find the best possible commercial auto coverage in your area, you have come to the right place! Place your business in the capable hands of Insure Artisans today!

What is Commercial Auto Insurance?

Commercial Auto policies can provide coverage for damage to your vehicle, property damage, medical bills, expenses for claims related to emergency care, legal fees and gap coverage on financed and leased vehicles.

Commercial Auto offers coverage on accidents that happen while you are driving for your business. This also provides coverage for your vehicle when you are transporting equipment that you use for work, whether it’s landscaping tools, cleaning supplies or other expensive work equipment to job sites. The items you carry inside your vehicle will not be covered, to get that coverage you should consider purchasing tools and equipment coverage This coverage also covers you if you tow a trailer carrying your work equipment.

Do you need Commercial Auto?

Whether you’ve got a personal vehicle that doubles as your work truck or an entire fleet of autos that your construction business owns, contractor commercial auto can protect your vehicles from the risks of the road. You may need to consider commercial auto coverage if:

• Your business owns or leases any vehicles.
• There are any vehicles titled or registered to your business.
• You use your vehicle as your primary work vehicle.
• Any employees or non-listed drivers use your vehicle on a regular basis.
• Any of your vehicles have ladder racks, permanent toolboxes, or other equipment installed to support your business activities.

 

What does a Commercial Auto Insurance policy cover?

Additional Covered Autos (Liability):

• An “auto” of the type indicated by the liability coverage symbol that you acquire during the policy period.
• “Trailers” with a load capacity of 2,000 pounds or fewer designed primarily for travel on public roads.
• “Mobile equipment” while being carried or towed by a covered “auto.”
• Any non-owned “auto” used as a temporary substitute for your covered “auto” that is out of service because of its breakdown, repair, servicing, loss, or destruction, when used with the owner’s permission.

Recommended Optional Coverages for Contractors:

• Limits $1,000,000 Single Limit.
• Hired & Non-Owned Auto.
• Uninsured Motorist (UM).
• Under Insured Motorists (UIM).
• Medical payments.
• Personal Injury Protection (PIP) or no-fault, auto insurance coverage mandated by some states.