Contractor Vehicle Insurance
Quick answer: Contractor vehicle insurance is a commercial vehicle policy for the trucks, vans and other vehicles you use during jobs, not just to get to and from a worksite. Standard policies for personal vehicles are generally not sufficient for business use. The coverage you need depends on the type and number of vehicles you use and how you use them.
If you’re one of the growing numbers of contractors who use vehicles during a job—not just to get to and from a worksite—then you may need an additional commercial vehicle policy that covers the vehicle(s) you use. It’s important for you to know that standard auto policies are not sufficient to cover you for business and that a Contractor Vehicle Insurance policy is necessary for you to protect your investment.
If you don’t use your vehicle for commercial purposes, you may be able to lower your monthly premiums by having this coverage removed from your policy. The choice is ultimately yours, but if you’re having trouble deciding, our agents can help you figure out whether or not your use of a given vehicle qualifies as a commercial purpose. Ultimately, the type of Contractor Vehicle Insurance that you need depends solely on what type of vehicles you use and how many, etc.
Contact us today to make sure you have the right policy in place and ensure that your investment is protected.
Talk to a licensed producer: call (916) 967-7715 or request a quote online. Lions & Coventry Insurance Services, Est. 2009, CA Lic. #0G22084.
Contractor vehicle insurance FAQ
What does contractor vehicle insurance cover?
It covers the vehicles you use in your contracting business. Coverage typically includes liability for injury or damage you cause to others while driving for work and, if you choose, physical damage coverage for your own vehicles. Hired and non-owned coverage can add liability protection when employees use rented or personal vehicles for your business.
Do I need a commercial vehicle policy if I only drive to job sites?
It depends on how the vehicle is used. If you use a vehicle during jobs, for example to haul tools, materials or equipment, you may need a commercial vehicle policy. Whether your use counts as a commercial purpose depends on the facts, and a licensed producer can help you decide.
Are the tools and equipment in my truck covered?
Usually not by the vehicle policy itself. Tools and equipment are generally insured under inland marine or contractor’s equipment coverage, so ask about both when you request a quote.
What information do I need for a contractor vehicle insurance quote?
Have your business name and the states where you work, a list of vehicles with year, make, model and VIN, how and where each vehicle is used and garaged, your drivers and their license details, any trailers or equipment you tow, the limits your contracts require, and your prior claims history.
What drives the price of contractor vehicle insurance, and how do I get a quote?
Price depends on the number and type of vehicles, how and where they are used and garaged, your drivers’ records, the distance you travel for work, the limits you need, and your claims history, so we do not publish rates. Call (916) 967-7715 or send your details through our contact page, and a licensed producer will review your business and shop the coverage with carriers that write contractor vehicles.
Related coverage: Business vehicle insurance · Contractors insurance · Construction insurance · Tools and equipment coverage · Contact us
Brokerage guidance, not legal advice. Coverage depends on the policy form, underwriting and carrier availability.