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

      
 4.9717 reviews
 4.9
 717 reviews
 
 
 
   
 
 
       Diego E 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent experience with Affordable Contractors Insurance\! Shawn was excellent at his job, professional, knowledgeable, and very helpful throughout the entire process\. He made everything easy to understand and helped me find the right coverage for my contracting business\. I truly appreciate his outstanding service and dedication\. I highly recommend Shawn and Affordable Contractors Insurance to any contractor looking for reliable service and affordable insurance options\!
  
 
      Yvonne S 
 
 
 Trustindex verifies that the original source of the review is Google. I’m Giving This Gentleman Shawn Jason Five Stars As An Exceptional Performance He has Done For Me Today. However These FIVE STARS DO NOTHING COMPARED TO THE FACT OF HIS PERFORMANCE!!! I Will Rather Give Him 10+10+10 And More!!
I’m so grateful to have him as My Agent for giving me the best advice and guidance in my business transaction All In One Day!!!
THANK YOU AGAIN AND AGAIN SHAWN!!!
GOD BLESS YOUR CAREER HERE WITH AFFORDABLE CONTRACTORS INSURANCE…
  
 
      Pedro V 
 
 
 Trustindex verifies that the original source of the review is Google. Shawn is always on top of everything when I call totally recommended him and affordable contractor insurance
  
 
      Justin C 
 
 
 Trustindex verifies that the original source of the review is Google. My agent Shawn Jason, with ACI has been very helpful during the whole process, I highly recommend him for your contractor liability insurance needs!
  
 
      Andrew H 
 
 
 Trustindex verifies that the original source of the review is Google. Kim Haley and Ryan Munoz are great at what they do. I always recommend ACI to my contractor friends.
  
 
      Charles F 
 
 
 Trustindex verifies that the original source of the review is Google. Evan made the process to get insured painless!
  
 
      Daniel P 
 
 
 Trustindex verifies that the original source of the review is Google. Sam Salatino was very professional and knowledgeable. Made the process very easy for me.
  
 
      Brent G 
 
 
 Trustindex verifies that the original source of the review is Google. It was so easy getting my policy in place and Sam was helpful and extremely knowledgeable. He made the experience great!
  
 
      Teresa B 
 
 
 Trustindex verifies that the original source of the review is Google. Evan was great, he helped me get a great policy. Thank you.
  
 
      Victor C 
 
 
 Trustindex verifies that the original source of the review is Google. From start to finish, the level of professionalism and customer service was exceptional. Tank you Bobby Cesena

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.