Commercial Auto Insurance
That Works for Contractors

Affordable Protection for Your Work Vehicles

Get tailored coverage for your company vehicles—serving contractors and businesses across the U.S. Instant quotes. Competitive rates. Easy claims.

Why Do Contractors Need Commercial Auto Insurance?

Commercial auto insurance protects your business vehicles, employees, and assets if an accident happens on the job. Whether you have one truck or a full fleet, this coverage goes beyond personal auto insurance to keep your operations moving—covering liability, physical damage, medical payments, and more.

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 for incidental use of 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.

Commercial Auto Insurance Coverage Options

Auto Liability Insurance

Covers costs if your business vehicle is at fault in an accident causing injury or property damage to others

Physical Damage Coverage

Pays to repair or replace your vehicles if they’re damaged in a collision, stolen, or vandalized.

Medical Payments Coverage

Helps cover medical expenses for you and your passengers after an accident, regardless of who’s at fault.

Uninsured/Underinsured Motorist Coverage

Protects your business if your work vehicle is hit by a driver with too little or no insurance.

Hired & Non-Owned Auto Coverage

Covers incidental use of vehicles you rent, lease, or borrow for business, plus employee-owned vehicles used on the job.

Comprehensive Coverage

Covers non-collision incidents like theft, fire, or weather damage to your business vehicles.

Want to know which coverages your business needs? Get a fast, customized quote from our experts.

Why Choose Affordable Contractors Insurance?

When it comes to commercial auto insurance, ACI is not just a provider. We’re your trusted partner who understands the unique risks contractors face on the road. Affordable Contractors Insurance specializes in helping businesses protect their vehicles, employees, and equipment—quickly and at a price that fits your budget.

Tailored for Contractors and Trades

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.

Request a Quote in Minutes

Speak with a Licensed Agent

Start Coverage With as Little as 20% Down

WhaT Our Clients Say

      
 4.9684 reviews
 4.9
 684 reviews
 
 
 
   
 
 
       Cheyenne A 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with ACI for several years, and they have consistently provided outstanding service. They are, without a doubt, one of the best insurance brokerages for all your insurance needs. Their team is knowledgeable, dependable, and easy to communicate with. What I appreciate most is that they take the time to educate you throughout the process, ensuring everything is clearly explained with no surprises or gray areas.
I would especially like to recognize Christina Bommarito for her exceptional service. She is professional, personable, respectful, and genuinely committed to her clients. You can trust that she'll be there when you need her, and she always goes above and beyond to provide the support and guidance you deserve. I highly recommend ACI to anyone looking for a trustworthy insurance brokerage.
  
 
      Julio R 
 
 
 Trustindex verifies that the original source of the review is Google. Shawn did a phenomenal job helping me with the business insurance for Lone Ranger Roofing. He took the time to shop multiple options and made sure we had the right coverage at a competitive price.

What really stood out was his level of customer service. He even helped me get a roof claim removed from our claims history after determining it was a false claim, which was a huge help.

Shawn was responsive, knowledgeable, and went well beyond what I would normally expect from an insurance broker. If you're a business owner looking for someone who will actually take the time to advocate for you and find the right coverage, I highly recommend Shawn.
  
 
      Rachel L 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome experience. Easy to talk to regarding boring business stuff. Really went to bat for our small business. Highly recommend especially to small businesses owners. Will be passing his contact information around to any business owner that wants to save money but will receive a quality service and product
  
 
      Keith S 
 
 
 Trustindex verifies that the original source of the review is Google. Great guy very understanding and helps you in every way
  
 
      Greg M 
 
 
 Trustindex verifies that the original source of the review is Google. I ask for a COI and before I can even think about it they have a copy of it sent to me. I love this place.
  
 
      Eduardo L 
 
 
 Trustindex verifies that the original source of the review is Google. El señor Bobby brinda un  excelente servicio 100 % recomendado
  
 
      Thomas H 
 
 
 Trustindex verifies that the original source of the review is Google. Jillian really helped me throughout the process.  Great service and timely responses
  
 
      Bryan M 
 
 
 Trustindex verifies that the original source of the review is Google. Jillian was very helpful and friendly. Provided the prime example of excellent customer service.
  
 
      Sebera S 
 
 
 Trustindex verifies that the original source of the review is Google. Behalf of Sarmiento Concrete, LLC
Kim Haley with Affordable Contractor Insurance has been absolutely amazing to work with! She is always professional, helpful, and incredibly quick to respond whenever I need assistance, especially with Certificate of Insurance (COI) requests. I truly appreciate how dependable and efficient she is—it makes handling our business insurance needs so much easier. **Excellent customer service, and I highly recommend Kim!**
  
 
      Francisco R 
 
 
 Trustindex verifies that the original source of the review is Google. This Insurance its the Best A1 100% recommend

Commercial Auto Insurance by State

Affordable Protection Wherever Your Business Goes

We offer commercial auto insurance for contractors in all 50 states, making it simple to safeguard your business vehicles and your team—no matter where your projects take you. Our specialists help you understand state requirements and secure the right commercial auto insurance fast. Ready to get covered? Contact us for a local quote or use our easy online tool below.