Commercial Auto Insurance for Contractors

What Is Commercial Auto Insurance?

Commercial auto insurance provides coverage for vehicles used for business purposes, including work trucks, vans, and company‑owned or leased vehicles. For contractors, this coverage helps protect against liability, property damage, and injuries resulting from vehicle‑related accidents.

Commercial auto policies are designed specifically for business use and offer protections that personal auto insurance typically does not.

Why Contractors Need Commercial Auto Insurance

Contractors rely on vehicles every day to transport tools, materials, and crews. Personal auto policies are not designed to cover business use and may exclude claims related to construction operations.

• Covers vehicles used for business operations

• Helps protect against liability from job‑related driving

• Meets contract and general contractor requirements

• Supports multi‑vehicle and fleet needs

• Helps avoid denied claims under personal auto policies

Commercial Auto Insurance vs. Personal Auto Insurance

Commercial Auto Insurance:

• Covers business use and job‑related driving

• Higher liability limits available

• Covers multiple drivers and employees

• Designed for work trucks, vans, and fleets

• Accepted by general contractors and project owners

Personal Auto Insurance:

• Intended for personal, non‑business use

• May exclude or deny job‑related claims

• Limited liability limits

• Typically does not cover employee drivers

Fast Commercial Auto Binding & Certificates

When coverage is needed quickly to meet contract requirements or keep vehicles on the road, timing matters. In many cases, we can help secure coverage promptly and issue certificates of insurance.

• Fast binding options available

• Quick certificates of insurance (COIs)

• Additional insureds available when required

• Coverage tailored to your vehicles and operations

Commercial Auto Insurance Across the Western United States

We assist contractors with commercial auto insurance in the following states:

California • Nevada • Texas • Arizona • Oregon • Colorado • Washington and more!

Bond availability, requirements, and pricing vary by state and surety guidelines.

Schedule a Commercial Auto Insurance Consultation

Speak with a licensed broker who understands contractor vehicle risks and commercial auto requirements.

Commercial Auto Insurance FAQ

Can I use personal auto insurance for my work truck?

In many cases, personal auto policies exclude or limit coverage for business use. Contractors typically need commercial auto insurance for work‑related driving.

What vehicles need commercial auto insurance?

Work trucks, vans, company‑owned or leased vehicles, and vehicles regularly used for business purposes typically require commercial auto coverage.

Does commercial auto cover employee drivers?

Yes. Commercial auto policies are designed to cover multiple drivers, including employees, subject to underwriting approval.

Can you insure heavy‑duty or specialized vehicles?

Yes. We work with carriers that insure heavy‑duty trucks, tool‑laden vehicles, and specialty equipment.

How fast can commercial auto coverage be bound?

Binding time varies by carrier and underwriting requirements, but same day binding options are available in many cases.

Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, NV, TX, AZ, OR, CO, and WA.
Coverage availability, vehicle eligibility, limits, and terms vary by state and carrier underwriting guidelines.
This content is for informational purposes only and does not constitute a binder of coverage.