Commercial Auto for Contractors
From Light-Duty Trucks to Heavy Equipment Haulers
Vehicles We Can Help Contractors Insure
Eligibility and coverage depend on vehicle type, use, weight, radius, driver history, materials carried, trailer use, and carrier guidelines.
Pickup Trucks
Light-duty and heavy-duty pickups used to transport crews, tools, materials, ladders, and jobsite supplies.
Service Vans
Cargo vans, utility vans, and service vehicles used by electricians, plumbers, HVAC technicians, and specialty contractors.
Utility and Service Trucks
Vehicles with utility bodies, tool compartments, cranes, lifts, racks, and permanently installed equipment.
Flatbed Trucks
Straight trucks and flatbeds used to transport lumber, pipe, construction materials, equipment, and jobsite supplies.
Dump Trucks
Dump trucks used for dirt, gravel, debris, demolition material, landscaping, and construction operations.
Truck Tractors and Flatbed Trailers
Truck tractors pulling flatbed, step-deck, equipment, or construction-material trailers for contractor operations.
Core Commercial Auto Protection
Coverage Options Contractors May Need
Auto Liability
May help address covered bodily injury or property damage claims when an insured driver is responsible for an accident.
Collision Coverage
May help repair or replace an insured vehicle after a covered collision, subject to the selected deductible.
Comprehensive Coverage
May help with covered losses involving theft, vandalism, fire, falling objects, weather, glass, and certain non-collision events.
Uninsured and Underinsured Motorist
May provide protection when an at-fault driver has no insurance or insufficient limits, depending on the policy and state.
Medical Payments or Personal Injury Protection
May provide certain medical or related benefits for insured occupants, depending on state requirements and selected coverage.
Coverage Built Around How You Operate
Important Options for Contractor Vehicles
The right policy should reflect who owns the vehicle, who drives it, what it carries, where it travels, and how it supports the business.
Hired Auto Liability
Coverage may be available for certain vehicles rented, hired, or leased by the business.
Non-Owned Auto Liability
May help protect the business when employees use personal vehicles for qualifying company errands or business activities.
Trailer Coverage
Contractor-owned utility, equipment, dump, flatbed, and other trailers may need to be specifically listed or otherwise addressed.
Towing and Roadside Assistance
Optional assistance may be available for breakdowns, towing, jump starts, lockouts, or other qualifying roadside events.
Rental Reimbursement
May help with qualifying temporary transportation expenses while a covered vehicle is being repaired.
Higher Liability Limits
Larger projects, heavier vehicles, hauling operations, and contract requirements may call for increased auto liability limits.
Real Contractor Driving Exposures
Why Commercial Auto Coverage Matters
Pickup Truck Accident
An employee driving a company pickup between jobsites causes an accident involving another vehicle and property damage.
Service Van Theft
A contractor’s service van is stolen overnight and later recovered with damage to the body, locks, and interior.
Flatbed Collision
A flatbed truck carrying construction materials is involved in a collision while traveling to a commercial jobsite.
Employee Uses a Personal Vehicle
An employee uses their personal vehicle to pick up supplies for the company and is involved in an accident during the trip.
Important Coverage Distinction
Your Truck and the Property Inside It May Need Different Coverage
Commercial auto insurance may protect the insured vehicle, but tools, equipment, materials, cargo, and customer property may require separate coverage.
Contractors should consider tools and equipment, inland marine, installation coverage, motor truck cargo, or other property coverage depending on what is being transported.
Items That May Need Separate Protection
Power tools and hand tools
Generators and compressors
Ladders and mobile equipment
Construction materials
Customer property in transit
Prepare for Your Quote
Information We May Need
Accurate vehicle and driver information helps us identify commercial auto options that align with your contractor operations.
Business name and address
Contractor trade
Vehicle year, make, and model
Vehicle identification numbers
Vehicle use and materials carried
Garaging location
Operating radius
Driver names and license numbers
Trailer information
Current insurance documents
Contractor Vehicle Review
Protect Every Vehicle in Your Operation
Tell us about your pickups, vans, trucks, trailers, drivers, jobsite travel, materials, and contract requirements.
Contractor Auto Questions
Commercial Auto Insurance FAQs
Review common questions about contractor vehicles, personal auto policies, employees, trailers, tools, and coverage requirements.
From Pickup Trucks to Flatbed Tractors
Keep Your Contractor Fleet Moving
Best Formula Insurance can help contractors review vehicles, drivers, trailers, jobsite travel, materials, liability limits, and available commercial auto options.
Important: This page provides general insurance information and does not modify, expand, or guarantee coverage. Commercial auto eligibility, drivers, vehicles, trailers, limits, deductibles, cargo, equipment, hired and non-owned auto, endorsements, exclusions, and pricing vary by carrier, state, vehicle, use, and individual risk. All coverage is subject to the terms and conditions of the issued policy.