BUSINESS AUTO INSURANCE DISCOUNTS AVAILABLE in CA | TX | AZ | NV | UT

 Contractors need commercial auto insurance because their vehicles are used for business operations, and personal auto policies usually exclude business use or provide very limited protection. For construction businesses, vehicles are often one of the highest risk exposures.

Here are the main reasons contractors must carry it.

• Higher Liability for Accidents
• Protection for Company Vehicles
• Employee Drivers
• Contract Requirements and Endorsements 

The amount of coverage you need will depend on your specific business needs. Our agents and brokers can help you determine the appropriate amount of coverage.

• Standard Industry Limit: $1,000,000 CSL. This is the most common requirement for commercial projects and protects against bodily injury and property damage in a single accident.

•  Hired & Non-Owned Auto (HNOA): Protects the business when employees drive their personal vehicles for work tasks, like picking up supplies.
• Blanket Additional Insured: Many contracts require you to name the client as an "Additional Insured" on your auto policy.
• Inland Marine/Tools Coverage: Standard auto insurance usually does not cover the tools or equipment inside the truck; a separate Inland Marine policy or endorsement is needed.

 How Contractors and Trucking Carriers Get Certificates of Insurance Fast:

• Call 844-97-USAVE Today so we can help!