Connect the policy to actual vehicle use
Contractors may combine owned vehicles, employee autos, rented trucks, trailers, permanently attached equipment, material delivery, towing, and job-site operations. Auto, inland marine, general liability, and workers' compensation should be coordinated.
Risks to review
- Travel among jobs, suppliers, offices, and customer locations
- Employee driving and supervisor vehicle use
- Trailers, racks, cranes, compressors, and attached equipment
- Tools and materials that commercial auto may not cover
Information to prepare
- Vehicles, trailers, drivers, trades, and service territories
- Daily use, towing, deliveries, job sites, and annual mileage
- Attached equipment, tools, materials, and maximum values
- Contracts, certificates, driver controls, and loss history
Frequently asked questions
Are tools in a contractor's truck covered by commercial auto?
Not automatically. Tools, mobile equipment, and property in transit may require inland marine or other property coverage.
What if employees drive personal vehicles to jobs?
Personal vehicle use for company business can create hired and non-owned auto exposure. The frequency, purpose, reimbursement, and employer controls should be reviewed.
Coverage descriptions are general. Availability, eligibility, limits, deductibles, exclusions, and policy terms vary by vehicle, driver, operation, jurisdiction, and insurance market. Actual policy documents control.