Protect Your Business with Contractors Insurance and Bonds

Commercial Auto Insurance is essential for contractors who use vehicles for business purposes. It provides financial protection in case of accidents, property damage, or injuries involving work-related vehicles. Personal auto insurance does not cover business-related driving, making commercial auto insurance a necessary policy for contractors.

1. Liability Coverage
   
   • Covers bodily injury and property damage if you or an employee cause an accident while driving a work vehicle.
   • Example: You rear-end another vehicle while driving to a job site, and the other driver needs medical treatment.

1. Collision Coverage
   
   • Pays for repairs or replacement if your work vehicle is damaged in an accident, regardless of fault.
   • Example: Your work van is hit while parked at a client’s property.

1. Comprehensive Coverage
   
   • Covers non-collision damages such as theft, vandalism, fire, or extreme weather.
   • Example: Your truck is stolen along with tools and materials inside.

1. Medical Payments (MedPay) or Personal Injury Protection (PIP)
   
   • Covers medical expenses for you and your passengers, regardless of fault.

1. Uninsured/Underinsured Motorist Coverage
   
   • Protects you if another driver causes an accident but doesn’t have enough insurance.

1. Hired & Non-Owned Auto Insurance (HNOA)
   
   • Covers vehicles rented, leased, or owned by employees when used for business purposes.
   • Example: An employee uses their personal truck to transport materials and gets into an accident.

✔ General contractors
✔ Painters, plumbers, electricians, and HVAC technicians
✔ Landscapers and construction workers
✔ Any contractor using a work truck, van, or trailer for business purposes

• Legal Requirement: Most states require minimum liability coverage.
• Protection for Expensive Equipment: Many contractors store tools and materials in their vehicles.
• Contracts May Require It: Some clients demand proof of coverage before hiring you.
• Prevents Personal Auto Insurance Denials: If you use a personal vehicle for business and get into an accident, your personal auto insurer may deny the claim.

Would you like help finding the best coverage options for your business vehicles?