Commercial Auto Insurance for Contractors

Protect Your Business on the Road

Your work vehicles are essential to your business—transporting tools, materials, and crew between job sites. Commercial Auto Insurance shields your contracting business from the costs of accidents, vehicle damage, and liability on the road. At Affordable Contractors Insurance, we understand the unique risks contractors face while driving for work and provide policies designed to keep your business protected and compliant.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance is essential for contractors because it protects your business from:

Accident Liability: Covers medical bills and damages if one of your work vehicles is involved in an accident that causes injury or property damage.
Vehicle Damage: Pays for repairs if your truck, van, or trailer is damaged in an accident, by weather, or due to vandalism.
Uninsured/Underinsured Motorist Protection: Protects you if one of your drivers is hit by someone without enough insurance, so you’re not left covering repair or medical costs out of pocket.
Medical Payments: Covers medical expenses for your drivers and passengers, regardless of who is at fault in an accident.
Hired and Non-Owned Auto Coverage: Extends protection to rented or employee-owned vehicles when used for work purposes, keeping your business covered on every job.

Why Contractors Need Commercial Auto Insurance?

Without commercial auto insurance, one accident could mean out-of-pocket repairs, medical bills, and legal fees—putting your business and assets at risk. Many clients and contractors require proof of insurance, and driving without it could leave you liable for significant expenses.

Essential for Moving Equipment and Crews Safely
Meets State and Client Insurance Requirements
Protects Against Accidents, Liability, and Downtime

How Much Does Commercial Auto Insurance Cost?

Several factors affect your commercial auto insurance premium, including:

Vehicle Type and Usage: Larger vehicles or those carrying heavy equipment may cost more to insure.
Number of Vehicles: Insuring a fleet generally increases costs, while single-vehicle coverage is more affordable.
Driving History: A clean driving record helps lower your premium, while past accidents may increase it.

Benefits of ACI’s Commercial Auto Insurance

When you insure your vehicles with Affordable Contractors Insurance, you gain more than coverage—you get a dependable partner who understands the demands of contractor work on the road.

Same-Day Policy Binding – Get your vehicles covered fast, so you’re always ready to go.
Exclusive Rates for Contractors – Save up to 25% with contractor-specific policies and custom bundles.
Easy Certificate Requests – Quickly access proof of insurance for jobs or inspections anytime.
Dedicated Support – Assistance with claims, renewals, and policy adjustments.

Get Your Commercial Auto Coverage Today

Don’t leave your vehicles—and your business—exposed to accidents, liability, or downtime. Get the coverage you need to keep your fleet protected and your jobs on schedule.