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.

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Start Coverage With as Little as 20% Down

WhaT Our Clients Say

      
 4.9710 reviews
 4.9
 710 reviews
 
 
 
   
 
 
       Brian B 
 
 
 Trustindex verifies that the original source of the review is Google. ACI rocks. They go the distance.
  
 
      Eric H 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Shawn and Kim at Affordable Contractor's Insurance has been great. Very fast, excellent customer service and very reasonable pricing for their services. They are always tere to help and I recommend them very much. I just renewed with them because of how much I appreciate Shawn and his whole team.
  
 
      Glenn W 
 
 
 Trustindex verifies that the original source of the review is Google. Timothy Mitchell has been great to work with. On top of his game very prompt with responses and gets the job done, submits all paper work to the contractors board. Very easy to work with.
  
 
      Juan O 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent , best service and prices ever!!
  
 
      Jackie P 
 
 
 Trustindex verifies that the original source of the review is Google. Ron was very helpful and knowledgeable and worked to meet the needs of our insurance.
  
 
      Paul M 
 
 
 Trustindex verifies that the original source of the review is Google. I’m very happy I found this company. Sam was a great guy. Everything he said came true. No bullshit. It was a delight to deal with him. I even went back to find out if he did personal Car insurance
  
 
      Curtis I 
 
 
 Trustindex verifies that the original source of the review is Google. He had my back helped me with someone useing my name to get insurance and using my name and credit to defraud me and my wife.
  
 
      Derrick G 
 
 
 Trustindex verifies that the original source of the review is Google. Evan was super friendly, communicated well and exceeded my expectations. Thank you Evan!
  
 
      Miguel E 
 
 
 Trustindex verifies that the original source of the review is Google. Bobby was very helpful, quick and great.
  
 
      Gil’s H 
 
 
 Trustindex verifies that the original source of the review is Google. Can’t thank Sam enough for his exceptional energy and expertise in his craft. He took us step by step and made sure we understood A - Z , would highly recommend (they got us a great deal a as well)

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.