Physical Damage coverage

Collision insurance takes care of the expenses for repairing or replacing your vehicle should you get into a single-vehicle accident, a collision with another car, and other types of incidents that might occur while your vehicle is parked and not moving. Your lender may mandate collision coverage if you are financing or leasing your vehicle.

Comprehensive coverage safeguards your vehicle from a range of non-collision uncontrollable events: severe weather conditions, collisions with animals, fire, theft, and more. If your car is financed or leased, your lender might insist on comprehensive insurance.

Uninsured/Underinsured motorist

The Uninsured/Underinsured coverage (UM/UIM) is to protect you after a hit-and-run or when the other driver is at fault and they lack liability insurance or if their liability limits are scarce to cover Bodily Injury or Property Damage to you.

Medical payments

Medical Payments insurance caters to the medical expenses for both you and your passengers in case of an accident with injuries. MedPay pays the medical bills regardless of who is at fault in an accident. Your insurer will pay the maximum amount for each injured, depending on your choice for a per-person limit.

Roadside assistance

Roadside assistance coverage for contractor vehicles offers up to an hour of labor on-site in case your car breaks down. It is accessible in 40 states and includes towing, locksmith services, fuel delivery, flat tire changes, and more.

Hired auto

If you lease, rent, or borrow vehicles in order to perform your contractor operations, then hired auto insurance might be a good choice. This coverage extends your existing auto liability if you need to drive a car that is not listed on your commercial auto insurance policy.

Non-owned auto

Suppose you occasionally use your personal car for contractor business operations. In that case, non-owned auto insurance is what you need to extend your auto liability coverage to protect you during work-related errands.