Comprehensive Coverage for Construction Professionals
Essential coverage for all vehicles used in your construction business, from pickup trucks to heavy equipment haulers.
Commercial auto insurance covers vehicles used for construction business purposes. Whether you have one pickup truck or a fleet of dump trucks, proper commercial coverage protects against accidents, theft, and liability claims. Personal auto policies exclude business use, making commercial coverage essential for contractors.
Any vehicle used for business requires commercial coverage
Pickups for job site visits and material transport
Service vans with tools and equipment
Dump trucks, flatbeds, and delivery vehicles
Trucks and trailers hauling machinery
Vans and trucks carrying workers to sites
Vehicles with mounted equipment or tools
Bodily injury and property damage to others
Damage to your vehicle from accidents
Theft, vandalism, weather damage, and glass
Protection from uninsured drivers
Medical expenses for vehicle occupants
Coverage for rented or employee vehicles
Using commercial vehicles for personal errands
Engine or transmission failure (maintenance)
Save money when insuring multiple vehicles together
Adjust coverage by vehicle based on use and value
Cover permanently attached equipment and modifications
Rental reimbursement keeps your business moving
Protection follows your vehicles across state lines
Priority handling to get vehicles back on the road fast
Get an accurate quote based on your specific needs
Get Custom QuoteLiability paid other driver's injuries and vehicle damage
Outcome: $95,000 claim resolved
Comprehensive covered stolen tools and van damage
Outcome: $15,000 equipment replaced
Collision coverage paid for truck repairs
Outcome: $65,000 repair completed
Yes, personal auto policies exclude business use. Using a personal policy for business can result in claim denials and policy cancellation. Even occasional business use like hauling tools or materials requires commercial coverage.
Commercial auto offers higher liability limits, covers business-specific risks, includes hired/non-owned coverage, and protects permanently attached equipment. It also covers employees driving your vehicles, which personal policies don't.
Commercial auto includes limited coverage for tools and equipment, typically $1,000-$2,500. For contractors with valuable tools, we recommend adding inland marine coverage for full protection of mobile equipment.
Yes, commercial policies cover permissive use by employees. However, drivers with poor records may increase premiums or need exclusion. We run MVR checks to identify issues before they become problems.
Limited personal use is typically allowed, but the vehicle must be primarily for business. Extensive personal use may require a different policy structure. We'll help determine the right coverage based on actual use.
Consider these additional coverages for comprehensive protection
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