Commercial auto insurance is designed to protect contractors who rely on vehicles to transport tools, equipment, and personnel to job sites. Whether you operate a single vehicle or a fleet, the risks involved in commercial driving, such as accidents, property damage, or bodily injuries, make it crucial to have the right coverage.
Commercial auto insurance typically includes the following essential coverages:
Protects against legal liability if your vehicle causes bodily injury or property damage to others.
Protects your vehicles from damage due to accidents, theft, or vandalism, and includes:
Helps cover medical expenses for injuries to you and your passengers, regardless of fault.
Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
Protects your business when employees use their personal vehicles or rented vehicles for work purposes.
Ensures your business trailers are protected while in transit or parked at a job site.
No two contractors are alike, and neither are their insurance needs. So, you need coverage that fits your specific risk profile. A custom policy can include higher limits, additional endorsements, and coverage for specialized vehicles or trailers.
As your business grows and changes, so should your coverage. Review your commercial auto policy regularly to ensure it continues to provide the protection you need as your fleet expands or your operations evolve.