Most business owners assume personal auto insurance covers employees driving to a job site, making a delivery, or visiting a client. That assumption is wrong — and in a hard commercial auto market it can be a costly mistake for contractors.
Personal auto policies exclude most business use. If an employee is in an accident while driving for work, your company can face liability for damages and legal fees that exceed the employee's personal limits.
Commercial auto is built for business use: liability for bodily injury and property damage, medical payments, uninsured motorists, and physical damage to owned units. Whether you run one work truck or a fleet, the policy should match radius, drivers, and loss history — not a generic schedule.
Even if you do not own vehicles, you still have exposure when employees use personal cars for errands, site visits, or deliveries. Hired and non-owned auto fills that gap.
Service crews, pump trucks, and multi-state operators feel auto renewals first. Start with a Construction Risk Profile on our hub page, or see trade-specific programs for plumbing contractors and water, sewer, and utility contractors.
Related reading: Construction Insurance Complete Guide · Hidden Construction Insurance Risks.
AOR - Division of Sihle Insurance
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