Coverage
A personal auto policy excludes business use. That exclusion is the whole reason this coverage exists.
Who needs it: Any contractor with a truck, van, trailer, or towed equipment. Also any contractor whose employees drive their own vehicles for work, which is the exp...
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These are the gaps that turn into denied claims, so it is worth knowing where this policy stops.
Any contractor with a truck, van, trailer, or towed equipment. Also any contractor whose employees drive their own vehicles for work, which is the exposure most contractors forget until there is a claim.
Liability limits should be at least as high as your general liability, commonly one million combined single limit. Physical damage coverage is written on the value of the vehicle, so a newer truck costs more to insure.
There is no single price, because the price follows your operation rather than the policy name.
Not on their personal policy, which excludes business use, and not automatically on yours. You need hired and non-owned auto coverage, which responds when an employee drives a vehicle you do not own on your business. It is inexpensive and it closes a real gap.
No. Auto coverage responds to the vehicle. The tools inside are covered by inland marine, and a separate policy is the right answer because a claim on one should not affect the other.
Tell your carrier that you do. A personal policy excludes business use, so an accident on a job site can be denied. Many contractors add a business-use endorsement or move to a commercial policy rather than risk it.
They need to be listed. A trailer is usually covered while attached to a covered vehicle, but towed equipment with its own value often needs its own coverage.
Tell us your trade, payroll, state and what your contract requires.
