If the truck pays the bills, it should be insured for the work it does.
Personal auto policies often exclude or limit business use. You likely need commercial auto if the vehicle is titled to a business, carries tools and materials between job sites, tows trailers for work, is driven by employees, or makes deliveries. Personal or commercial?
Contractors and tradespeople, landscapers, cleaning and service businesses, delivery and courier operations, and other local businesses with pickups, vans, box trucks, dump trucks and trailers.
Loose tools and equipment in the truck usually aren't covered by commercial auto. They need inland marine or tools coverage. What's actually covered on a work truck.
Vehicle type and weight, how it's used, radius, drivers' records, garaging and limits. What commercial auto costs and why.
List every regular driver, check motor vehicle records at hire, and keep excluded drivers away from the keys. Letting employees drive.
Not sure your current setup would pay a claim? Run the work truck checkup.
Personal or commercial auto: which do you need? · What drives the cost of commercial auto insurance · Hired and non-owned auto: the coverage for cars you don't own · Letting employees drive company vehicles · Work trucks: tools, trailers and what's actually covered · Delivery and rideshare driving: the insurance gap
Commercial vehicle insurance, business auto insurance, commercial truck insurance and fleet insurance generally refer to the same thing: auto insurance written for vehicles used in a business.
Combined single limit: why contracts ask for $1 million · Your truck is titled to the LLC. What insurance do you need? · Commercial auto for a new business
Joplin commercial auto insurance · Springfield commercial auto insurance
If it's used for business, titled to a business, driven by employees or carries tools and materials between job sites, likely yes.
Usually not. Tools need inland marine or equipment coverage.
Yes, to customers, general contractors and property managers.
Yes, depending on use and radius. Call with the details.
Or send your details and an agent will call you back with options from the companies we work with.