Contractors, Trades & Utility FleetsCommercial Auto Insurance for Contractors, Pickups & Utility Trucks
From a single pickup pulling a utility trailer to a multi-vehicle HVAC or landscaping fleet, we help trades and contractors review commercial auto coverage and COI requirements.
Requesting a quote is free and does not bind coverage. All policies are subject to carrier underwriting and state availability.
Multi-Carrier Shop
Compare multiple US insurance carriers from one single online application.
Fast COI & Filings
Prompt certificates of insurance (COI), BMC-91 & SR-22 filing support.
New Authorities Welcome
Dedicated programs for new USDOT/MC numbers, box trucks & owner-operators.
Licensed Independent Advice
Transparent coverage comparisons with zero obligation to buy.
Coverage Options
Core coverages evaluated for Contractors, Trades & Utility Fleets
Coverage limits, deductibles, and endorsements are structured around your equipment, contracts, and operating authority:
- Commercial Auto Liability up to $1,000,000 Combined Single Limit
- Commercial Pickup, Utility Body, Flatbed & Dump Truck Physical Damage
- Scheduled Utility, Enclosed & Equipment Trailer Coverage
Intended Customer Profile
Who this insurance program helps
- HVAC, Plumbing & Electrical Contractors
- Landscaping, Lawn Care & Tree Service Businesses
- Roofing, Remodeling & General Construction Trades
Key Operational Risks Addressed
- • Job-site and highway collisions involving employee drivers or towed trailers
- • Client contract delays when commercial auto COIs are required before work begins
What influences your premium
Insurance premiums are determined by carrier underwriting rather than flat rates. Key rating variables include:
- Vehicle weight class, trailer usage, garaging ZIP, employee MVR records, and chosen liability limits
Underwriting considerations
- Valid driver licenses for all employees who drive company vehicles and accurate vehicle/trailer schedules
Common exclusions & terms to verify
- Portable contractor tools and mobile equipment generally require an Inland Marine / Equipment Floater rather than standard auto physical damage
What to have ready for an accurate quote
- Business name, vehicle and trailer VINs, driver roster, and general contractor COI requirements
Explore Related Commercial Trucking & Auto Programs
Frequently asked questions
Helpful answers before you begin.
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