Commercial Auto Insurance protects your work vehicles—like cars, vans, or trucks—when they’re used for business. It covers accidents, damage, and injuries, helping keep your business moving without major financial setbacks.
Protect the Vehicles That Keep Your Business Moving
Your work vehicles do more than get you from one place to another. They carry your employees, tools, equipment, and materials to the jobs that keep your business running.
Commercial Auto Insurance helps protect vehicles used for business purposes against covered accidents, property damage, injuries, theft, and other risks.
Whether you operate one work truck or manage an entire fleet, EveryTrade Insurance can help you find Commercial Auto coverage designed around your business.
Why Do Contractors Need Commercial Auto Insurance?
Personal auto insurance may not provide appropriate coverage when a vehicle is regularly used for business.
Contractors and trade businesses frequently use vehicles to:
Travel between job sites
Transport employees
Carry tools and equipment
Haul construction materials
Tow trailers
Meet customers and inspect projects
Make deliveries
Transport supplies
Operate service and utility vehicles
If you or an employee is involved in an accident while driving for business, your company could face significant expenses from injuries, vehicle damage, property damage, and potential lawsuits.
Commercial Auto Insurance helps protect your business against these risks.
What Does Commercial Auto Insurance Cover?
Auto Liability
Helps protect your business when you or a covered driver is legally responsible for bodily injury or property damage resulting from a covered vehicle accident.
Collision Coverage
Can help pay to repair or replace an insured business vehicle following a covered collision, subject to the policy's deductible and terms.
Comprehensive Coverage
Helps protect covered vehicles against certain non-collision losses, which may include theft, vandalism, fire, hail, falling objects, and other covered events.
Uninsured & Underinsured Motorist Coverage
Can provide protection when a covered vehicle is involved in an accident with a driver who has insufficient insurance or no insurance, subject to applicable policy terms and state requirements.
Medical Payments
Depending on the policy and state, Medical Payments coverage may help pay certain medical expenses resulting from a covered auto accident.
Hired & Non-Owned Auto Coverage
Businesses that rent vehicles or have employees use personal vehicles for certain business activities may need Hired and Non-Owned Auto coverage.
EveryTrade can help determine whether this coverage is appropriate for your operations.
Commercial Auto Coverage for Work Vehicles
EveryTrade Insurance can help businesses insure a wide variety of commercial vehicles, including:
Pickup trucks
Work trucks
Cargo vans
Service vans
Utility trucks
Flatbed trucks
Dump trucks
Box trucks
Contractor vehicles
Business automobiles
Multiple-vehicle fleets
Vehicle eligibility and available coverage will depend on the business, vehicle type, use, drivers, and insurance carrier.
Built for Contractors & Licensed Trades
EveryTrade Insurance understands that different trades use their vehicles differently.
An electrician's service van has different exposures than a landscaping truck. A plumber may operate several service vehicles, while a general contractor may have pickups traveling between multiple projects.
We work with contractors across a broad range of CSLB classifications and specialty trades to help find Commercial Auto coverage appropriate for their operations.
What Affects Commercial Auto Insurance Cost?
Commercial Auto premiums can depend on several factors, including:
Number of vehicles
Vehicle types
Vehicle values
How the vehicles are used
Driving radius
Driver records
Number and age of drivers
Claims history
Coverage limits
Deductibles
Business operations
Materials or equipment being transported
Fleet size
EveryTrade Insurance can review your vehicle schedule and business operations to help identify appropriate coverage options.
One Truck or an Entire Fleet
Whether you're an owner-operator with one work truck or an established contractor managing multiple vehicles and crews, your Commercial Auto coverage should reflect how your business actually operates.
EveryTrade can help you evaluate coverage for your vehicles, drivers, and business exposures.
Protect your vehicles. Protect your drivers. Keep your business moving.
Get a Commercial Auto Insurance Quote
Tell us about your business, vehicles, drivers, and how they're used, and we'll help you explore Commercial Auto insurance options.
Your commercial auto may meet an accident resulting in damage to someone's property or causing bodily harm to someone. You then become liable for the property's repair or medical costs.
Solution
Bodily injury liability (BIL) covers you when you or one of your employees cause physical injury to another party while using one of your covered vehicles. Property damage liability (PDL) protects you when you or one of your employees causes property damage to another party while using one of your covered vehicles.
Physical Damage and Collision Coverage
Risk Factors
Your commercial auto can be damaged by fire, theft, or vandalism or collide with a fallen tree causing damage to your vehicle.
Solution
Commercial automobile insurance protects against vehicle theft and physical damage, including vandalism, certain weather events, or an impact on another object.
Accident with uninsured motorist coverage
Risk Factors
According to the Insurance Research Council, about one in eight drivers in the United States are uninsured. As a result, when they cause accidents, they might be unable to pay for damages.
Solution
Your policy’s uninsured motorist coverage ensures your business doesn’t have to pay for the resulting medical expenses or vehicle repairs.
Roadside assistance coverage
Risk Factors
Your commercial auto could break down, and you might need roadside assistance immediately.
Solution
Protects you when problems arise that are not typically handled under your commercial auto policy. This could include being locked out of your car, dead batteries, and flat tires.
Auto loan or lease coverage
Risk Factors
Your commercial auto may meet with an accident before your loan repayment. You can then become liable for the loss incurred.
Solution
This covers the difference between the unpaid amount on the loan or lease and the actual cash value of the vehicle if your vehicle is a total loss after an accident.
