Industries · 01
Construction & Contracting Fleets
Contractor pickups, service trucks, utility bodies, equipment transport, and commercial vans.
Contractors put vehicles to hard use: crews moving between job sites, heavier units hauling equipment and materials, and trailers behind many of the trucks. Contracts with general contractors, owners, and public entities often decide the liability limits and endorsements a contractor’s auto program needs.
Industries in this category
- General ContractorsSuperintendent trucks, crew pickups, and equipment trailers across multiple job sites.
- Electrical ContractorsService vans, utility-body trucks, and bucket or boom units.
- Plumbing ContractorsService vans, new-construction crews, and jetter or excavation units.
- HVAC & Mechanical ContractorsService vans, install crews, and box or crane trucks for equipment.
- Roofing ContractorsCrew trucks, material trailers, and dump trailers for tear-offs.
- Concrete ContractorsPickups, flatbeds, pump or mixer support units, and equipment trailers.
- Excavation & Site Preparation ContractorsDump trucks, lowboys, and trucks hauling heavy equipment.
- Road Construction & Paving ContractorsDump trucks, equipment haulers, and crew vehicles working roadside.
- Utility & Underground ContractorsBoring rigs, vac trucks, utility bodies, and equipment trailers.
- Steel & Metal Fabrication ContractorsFlatbeds and straight trucks delivering and erecting steel.
- Fire Protection & Sprinkler ContractorsService vans and pipe-rack trucks for installation and inspection.
- Commercial Glass & Glazing ContractorsGlass-rack trucks and service vans with specialized racks.
What underwriters focus on
- Vehicle weights, trailers, and equipment carried or towed
- Job-site radius, including projects outside the home metro
- Driver screening for crews and superintendents
- Owner-operator subcontractors and leased or rented units
- Loss history on heavier vehicles
Coverage worth reviewing
- Liability limits and umbrella sized to the contracts you bid
- Additional insured, waiver of subrogation, and primary/non-contributory wording
- Hired and non-owned auto for rentals and personal vehicles
- Physical damage on newer units and attached equipment
- Inland marine for tools and equipment (separate from auto)
Where we fit. We work best with established businesses running several vehicles, often 5 to 50, with current commercial auto coverage and a reason to review it. Eligibility depends on the operation and the insurance companies involved.
Questions fleet owners ask
Do our equipment trailers need to be on the auto policy?
Usually yes. Trailers are typically scheduled with their own values, and the equipment carried on them is generally covered separately under inland marine.
A contract requires higher auto limits than we carry. What are the options?
Higher primary limits, an umbrella or excess policy, or a combination. The right structure depends on the contract wording and how the umbrella schedules over the auto policy.
Ready for a serious look at your fleet program?
Start with what you have. We’ll tell you what we need next.