Protect Your Business with Comprehensive Contractor Auto Insurance
If you are a contractor, there is a high chance that your services presuppose regular vehicle use. Whether you commute to and from your job sites, use the vehicle for work, or transport equipment and contractor materials (tools, ladder racks, etc.), commercial auto insurance is necessary. It is important to note that your personal auto insurance does not cover these aspects of your contractor business.
Many types of autos come under the contractor category: cars, SUVs, vans, and more. Most common occupations that need a commercial auto insurance:
- Plumbers
- Electricians
- Landscapers
- Carpenters
- Painters
- Snow removal contractors
- Appliance technicians
- HVAC contractors
- Handymen
- Roofing contractors
- Tiling contractors
- Flooring installers
- Lawn care contractors
- Insulation contractors
- Construction contractors
- And more
Each state has precise requirements for such coverage, and GIA Group is happy to help you choose the best-fit policy that will comply with the insurance requirements.
Contractor Auto Coverage
Commercial Auto Liability
Auto liability insurance is a required minimal coverage in all states. It protects the other party if you are responsible for an accident, covering Bodily Injury (the other driver’s medical expenses and rehabilitation costs) and Property Damage (the damage caused to other vehicles and property). Having liability insurance is essential for fulfilling Federal, State, and Local requirements.
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.
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Insurance Companies We Work With:
Accredited Surety and Casualty Company
Agency Insurance Company (AIC)
American Empire
American Inter Fidelity Exchange
A-One Commercial Insurance
Arch Specialty
Aspen American Insurance
Bell & Clements LTD
Berkley Insurance Group
Berkshire Hathaway
Canal Insurance
Canopius
Canopius US Insurance Inc
Capitol Specialty Insurance
Century Insurance Group
CNA
County Hall Insurance
Crum & Forster
DB Insurance
Endurance Specialty
Falls Lake National Insurance
Golden Bear Insurance
Great American Insurance
Great Lakes Insurance SE
Hiscox
Hudson Insurance Group
IAT Insurance Group
James River Insurance
Knight Specialty Insurance
Lancer Insurance
Lexington Insurance
Liberty Mutual
Lloyds of London
Maxum Indemnity
Milford Casualty Insurance
National Casualty
National Fire Insurance
National General Insurance
NEXT
NICO
Northfield Insurance
Northland Insurance
Occidental Fire and Casualty
Old Republic Union Insurance
Palomar
Pan American
Philadelphia Insurance Companies
PMA Companies
Prime Insurance
Progressive
RLI
Scottsdale Insurance
Shepherd Compello
Star Mutual
Starstone
Trisura Specialty Insurance
United Financial Casualty
United Specialty
UPMC
USLI
Valley Forge Insurance
Wesco Insurance
White Pine Insurance
Work Partners
XL
Zurich
- Accredited Surety and Casualty Company
- Agency Insurance Company (AIC)
- American Empire
- American Inter Fidelity Exchange
- A-One Commercial Insurance
- Arch Specialty
- Aspen American Insurance
- Bell & Clements LTD
- Berkley Insurance Group
- Berkshire Hathaway
- Canal Insurance
- Canopius
- Canopius US Insurance Inc
- Capitol Specialty Insurance
- Century Insurance Group
- CNA
- County Hall Insurance
- Crum & Forster
- DB Insurance
- Endurance Specialty
- Falls Lake National Insurance
- Golden Bear Insurance
- Great American Insurance
- Great Lakes Insurance SE
- Hiscox
- Hudson Insurance Group
- IAT Insurance Group
- James River Insurance
- Knight Specialty Insurance
- Lancer Insurance
- Lexington Insurance
- Liberty Mutual
- Lloyds of London
- Maxum Indemnity
- Milford Casualty Insurance
- National Casualty
- National Fire Insurance
- National General Insurance
- NEXT
- NICO
- Northfield Insurance
- Northland Insurance
- Occidental Fire and Casualty
- Old Republic Union Insurance
- Palomar
- Pan American
- Philadelphia Insurance Companies
- PMA Companies
- Prime Insurance
- Progressive
- RLI
- Scottsdale Insurance
- Shepherd Compello
- Star Mutual
- Starstone
- Trisura Specialty Insurance
- United Financial Casualty
- United Specialty
- UPMC
- USLI
- Valley Forge Insurance
- Wesco Insurance
- White Pine Insurance
- Work Partners
- XL
- Zurich