Contractors and construction professional rely on their autos to get the job done. Whether you’ve got a personal vehicle that doubles as your work truck, or an entire fleet of autos that your construction business owns, contractor commercial auto can protect your vehicles from the risks of the road.
Some businesses want coverage for “Any Auto.” Some businesses only want coverage for specified autos, and some want coverage for “Hired” and “Non-Owned” vehicles. I heard one attorney call autos “million dollar moving lawsuits.” Think about it. We all know someone who has been in an accident and it is likely that one day we will be in one too. Imagine that you are a contractor working at a location. Your sign is up and everyone knows that it is your jobsite. Now imagine that a subcontractor on the project is in a major vehicle accident between your jobsite and Home Depot where the subcontractor was going to get more supplies. Do you think there is a possibility that you and the subcontractor could both get dragged into the lawsuit? Absolutely. You need to look at the higher limits available with business auto policies in addition to working with Landen Goodnight who knows the various markets that provide the coverage you and your clients require at the prices you deserve.
Do You Need Commercial Auto?
Do you have multiple drivers…and maybe some do not have the best driving records? Personal auto policies often exclude business use or do not cover employees while they are driving on a job site. If you are using your vehicle for business, you need to purchase a business auto policy.
Contractors who use their personal vehicles for work may assume their personal auto policies will cover any accidents, damage, or injuries on the road. But if you use your vehicle primarily for work purposes, you may be left with inadequate coverage in the event of an accident.
If you can answer yes to any of these questions, you may need to consider commercial auto coverage:
Are there any vehicles owned or leased by your business?
Are there any vehicles titled or registered to your business?
Do you use your vehicle as your primary work vehicle?
Do any employees or non-listed drivers use your vehicle on a regular basis?
Do any of your vehicles have ladder racks, permanent toolboxes, or other equipment installed to support your business activities?
The Right Commercial Auto Coverage at the Right Price
We can help you select the perfect amount of coverage for your hard-working vehicles at rates you and your business can afford. Choose from:
Auto liability
Collision coverage
Comprehensive coverage
Medical payments
Uninsured and underinsured motorist coverage
Specified peril
Coverage for employees using their vehicle for your business
Coverage for autos your business owns, leases, or rents
Let us find you the perfect solution to cover your work vehicles today, from the toolbox on your favorite truck to the very last auto in your company’s fleet.
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