Contractor Vehicle Coverage
Your work truck is how you get to every job. If you're using it for business, your personal auto policy probably doesn't cover it. Here's what you need to know.
Why Personal Auto Doesn't Cover Business Use
Most personal auto policies exclude business use. If you're in an accident while driving to a job site, picking up materials, or hauling equipment, your personal policy may deny the claim entirely.
We see this catch contractors off guard all the time. Don't find out the hard way.
What Commercial Auto Covers
- ✓ Liability for accidents where you're at fault
- ✓ Physical damage to your vehicles
- ✓ Medical payments for you and passengers
- ✓ Uninsured motorist coverage
- ✓ Hired and non-owned auto (rental vehicles, employee personal vehicles)
What About My Tools in the Truck?
Commercial auto covers the vehicle, not the contents. For tools and equipment inside your truck, you need a separate tools and equipment (inland marine) policy. We can set up both.