Smart coverage for trucks, vans, and service vehicles used on the job.
Plumbers, electricians, roofers, and contractors rely on work vehicles every day. GIA Group, LLC provides contractor auto insurance that protects your business from accidents, property damage, and liability, so your tools, crew, and schedule stay on track.
Coverage
Coverage | Why it matters |
|---|---|
Auto Liability | Covers third-party bodily injury or property damage |
Physical Damage | Pays for repairs to your vehicle after a collision, theft, or vandalism |
Hired and Non-Owned Auto (HNOA) | Covers vehicles rented or owned by employees for business use |
Medical Payments / Personal Injury Protection | Covers driver or passenger injuries |
Tools and Equipment Coverage (add-on) | Protects gear and materials stored in or on your vehicle |
Trailer Coverage (optional) | For hauling enclosed, flatbed, or tool trailers |
Uninsured / Underinsured Motorist | Protection if hit by a driver without enough insurance |
Quote
What's needed for a quote
To get started, have the following ready:
Vehicle year, make, model, and VIN
Type of work you perform
Driver information
Equipment or trailer details
Prior insurance info (if available)
Success Stories
Real results from GIA Group clients
Please note
Every trucking operation is different, and so are insurance premiums. At GIA Group, we work hard to find the best possible rates and coverage for each client. These stories highlight results we’re proud of, though individual outcomes may vary.
Pennsylvania
February 2026
Auto Hauler - Auto Liability, Cargo Liability, Physical Damage.
Price per truck
$9,700
California
February 2026
General Freight - Non-Trucking Liability, Physical Damage.
Price per truck
$4,100
Illinois
February 2026
Reefer - General Liability, Auto Liability, Cargo Liability, Physical Damage, Non-Owned Trailer Physical Damage.
Price per truck
$13,700
Cost explanation
What does Contractor Auto Insurance cost?
Rates vary depending on location, trade, number of vehicles, and driver records. On average, contractor auto insurance costs between $3,000 and $7,500 per year per vehicle.
These are estimates only—fill out our quick contact form to get started. We compare top commercial carriers to help you get the right protection at the best rate.
Our advantages
Tailored for contractors
protects work vans, pickups, and service trucks used on job sites
Tools & materials coverage
options to insure equipment and supplies transported in vehicles.
Flexible policies
add-ons like hired/non-owned auto or physical damage available as needed
Trusted carrier access
coverage placed through A-rated insurers that understand contractor risks
Blog
Insights for every truck in your fleet
Explore the GIA Group, LLC blog for real-world tips on insuring semis, box trucks, dump trucks, tow trucks, and more. See how coverage and safety practices translate into better protection for every vehicle you run.
Mar 12, 2026
Fleet operations
Reefer Breakdown Coverage: Why It’s a Must for Refrigerated Freight
How reefer breakdown coverage helps carriers manage cargo loss when cooling systems fail.
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Feb 26, 2026
Fleet operations
Semi-Truck Insurance Cost: Monthly Breakdown and Key Factors
Understand semi-truck insurance cost and how monthly premiums are set.
Read more
Feb 13, 2026
Fleet operations
Semi Truck Insurance Coverage: Costs, Compliance, Strategy
Semi truck insurance coverage: costs, compliance, and key protections explained.
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Feb 5, 2026
Fleet operations
Truck Loading Safety Best Practices & Insurance Impact
Explore best practices for truck loading safety, it may lower risk and operational costs.
Read more
