Commercial auto for
contractors
If you run vehicles to job sites, you need commercial auto—not personal auto with a prayer. We work with contractors across all trades: GCs, electricians, plumbers, HVAC, roofers, and more.
Get a QuoteWhat contractors typically need
| Coverage | Required? | What It Does |
|---|---|---|
| Commercial Auto Liability | Usually Required | Covers bodily injury and property damage you cause to others while driving for work. Required in all states. |
| Physical Damage | Optional | Comprehensive and collision for your trucks and vans. Required if financed; smart if they're valuable. |
| General Liability | Usually Required | Covers third-party claims for injury or damage at job sites—not related to driving. Most contracts require it. |
| Tools & Equipment | Optional | Inland marine coverage for tools and equipment—on the truck, at the job site, or in transit. |
| Workers' Compensation | Usually Required | Required if you have employees. Covers medical costs and lost wages for work injuries. |
| Umbrella / Excess Liability | Optional | Extra liability limits above your auto and GL policies. Often required for larger contracts. |
Bonding for contractors
Many states and municipalities require contractors to be bonded before they can pull permits or bid on public work. We're appointed with CNA Surety and Merchants Bonding—two of the largest sureties in the country.
If you need a license bond, bid bond, performance bond, or payment bond, we can usually get you approved quickly.
Learn About BondsLicense & Permit Bonds
Required by states/cities to get your contractor license.
Bid Bonds
Guarantees you'll enter the contract if you win the bid.
Performance & Payment Bonds
Guarantees you'll complete the work and pay subs/suppliers.
All construction trades
Ready for a quote?
Tell us about your contracting business. We'll put together a package that covers your vehicles, your liability, and your bonding needs.
Get a Quote