Does personal auto cover employees driving for work?
It should not be assumed to protect the business. Hired/non-owned auto should be evaluated.
Commercial Auto Insurance for Contractors
Contractor fleets can range from service vans to pickups, dump trucks and trailers. Vehicle use, radius, drivers, towing, personal use and equipment mounted on vehicles all affect the exposure.
What to Review
Contractor insurance starts with the work—not a generic class description.
Project type, job-site conditions, subcontracting, contracts, fleet, equipment and completed work can all change the insurance conversation.
Driver qualityMVRs, hiring standards and driver monitoring are central underwriting factors.
Vehicle useService, hauling, towing and job-site travel can create different severity.
Hired & non-owned autoRental vehicles and employee-owned vehicles used for business may create liability exposure.
Trailers & equipmentPhysical damage and liability treatment can differ between the tow vehicle, trailer and equipment.
Common Questions
Questions worth answering before renewal.
Do trailers need to be listed?
Depending on size, ownership and coverage desired, trailers may need specific scheduling.
Why do MVRs matter?
Driving history is a major predictor and underwriting factor for commercial auto losses.
Keep Exploring
Related contractor insurance topics.
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Learn more →Have a renewal coming up?
Start with a conversation about your operation, current program and what you want to improve.