Call Us 909-931-5799 ☰ ˟
Logo
Call Us 909-931-5799
  • Home
  • Get a Quote
    • AutomobileImage of right arrow
      • Automobile Insurance Home
      • Auto Insurance Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Home
      • Homeowners Insurance Quote
    • Business & CommercialImage of right arrow
      • Business & Commercial Insurance Home
      • Commercial Auto Insurance Quote
      • General Liability InsuranceImage of right arrow
        • General Liability Quote Form
      • Business Owners Policy (BOP)Image of right arrow
        • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
    • HealthImage of right arrow
      • Health Insurance Home
      • Health Insurance Quote
    • Recreational VehicleImage of right arrow
      • Recreational Vehicle Insurance Home
      • Recreational Vehicle Insurance Quote
    • LifeImage of right arrow
      • Life Insurance Home
      • Life Insurance Quote
    • Watercraft & BoatImage of right arrow
      • Watercraft & Boat Insurance Home
      • Watercraft Insurance Quote
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About Us
    • Location Map
    • Employee Directory
    • Privacy Policy
  • Contact Us
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home & Landlord Icon

Home & Landlord

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business & Auto Icon

Business & Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life & Health Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > The Necessity of Commercial Auto Insurance for Contractors
THURSDAY, MAY 12, 2022

The Necessity of Commercial Auto Insurance for Contractors

Contractors, from plumbers to electricians, usually run mobile businesses. After all, they generally have to visit other properties to be able to render the necessary services. So, when you are traveling for business, you need the appropriate motor vehicle insurance. Usually, commercial auto insurance is the best, if not the only solution for all contractors. Consider how this coverage can help you. 

What’s Commercial Auto Insurance? 

A business auto policy covers vehicles owned or used by businesses in the course of their duties. It works a lot like any other car insurance policy, because it helps vehicle owners pay for vehicle repairs, lawsuit settlements and other costs when wrecks or other accidents occur.  

The way commercial auto insurance differs from a private policy is because it accounts for the fact that a business owns the vehicle, or that employee drivers operate on its behalf. The policy usually includes expanded coverage limits to account for the fact that a business could face significant costs in case a vehicle accident occurs. It has coverage limits that are designed to make it better than personal auto policies at covering such risks. Most commercial policies will not cover business vehicles for this reason.a person in a car 

Why do I need it? 

If you are a contractor, and you have to drive from work site to work site, day in and day out, then you probably need a commercial auto insurance policy. Suppose that you have a wreck while driving between a property under construction, and your main office: 

  • If the wreck was your fault, then your auto liability insurance can pay for the property damage or injuries you caused to other drivers. It can even help the business settle lawsuit costs in case those parties sue the business. 

  • Damage to a business vehicle is a financial loss. If your policy includes collision insurance, the policy might help you pay for the repairs. 

  • When another driver is at-fault for the wreck, they might not have enough liability insurance themselves to cover your own losses. When your policy covers uninsured/underinsured motorist protection, then it can pay for your vehicle’s damage instead. 


Coverage exists because it helps the business cover numerous costly losses without having to dig into its own pockets. It can even include roadside assistance coverage to help business owners when their vehicles run out of gas, have flat tires, or experience costly inconveniences. All in all, it can include numerous perks to help your contracting vehicles in good shape and on the road, with a minimum of cost inconvenience. 
Posted 8:53 AM

Tags: commercial, auto, insurance, employee, vehicles
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021

  • insurance(15)
  • coverage(10)
  • policy(6)
  • auto(6)
  • commercial(5)
  • life(4)
  • car(3)
  • homeowners(3)
  • whole(3)
  • retirement(3)
  • damage(3)
  • accident(3)
  • terms(3)
  • employee(2)
  • property(2)
  • home insurance(2)
  • vehicles(2)
  • auto insurance(2)
  • landlord(2)
  • costs(1)
  • collision(1)
  • landlord insurance(1)
  • premiums(1)
  • glass damage(1)
  • commercial auto insurance(1)

View Mobile Version

Contact Us Today!
909-931-5799

Resources

  • Products
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

491B N Central Ave
PO Box 326
Upland, CA 91786

Ph: 909.931.5799 | Fx: 909.931.5795
© Copyright. All rights reserved. | Powered by Insurance Website Builder