A Work Truck Is a Business Asset. Insure It Like One.
Commercial auto, tools & equipment, and hired/non-owned auto coverage built around how your vehicles actually get used - from a single work truck to a growing fleet.
& Fleet Coverage
You need commercial auto coverage if...
You or an employee drive a truck, van, or car with your business name or logo on it
You haul tools, equipment, or materials to job sites
An employee ever uses their own personal vehicle to run a business errand or make a delivery
Your business owns, leases, or regularly rents any vehicle
You tow a trailer loaded with equipment, materials, or another vehicle
A personal auto claim was ever denied - or you're not sure if it would be - because the vehicle was being used for work
Why a personal auto policy won't cover a work truck
Personal auto policies are priced around personal use - commuting, errands, road trips - and most either exclude business use outright or limit coverage significantly once a vehicle starts hauling tools, making deliveries, or carrying your business name on the door. That gap usually stays invisible right up until a claim gets denied.
Commercial auto coverage is priced and written specifically for that business use, which means it responds the way you'd expect it to when something actually happens on the job.
What a proper commercial auto program includes
Commercial Auto Liability & Physical Damage
Covers the vehicle itself and your liability for an accident while driving for business - the core of any commercial auto policy, priced differently than a personal policy because business use carries different risk.
Hired & Non-Owned Auto (HNOA)
Covers your business's liability when an employee uses their own personal vehicle for a work errand, or when your business rents a vehicle - two of the most commonly overlooked gaps in a growing business's coverage.
Tools & Equipment Coverage
Also called an inland marine or contractors' equipment floater, this covers tools and equipment while they're in transit or sitting at a job site - exposure a standard auto or property policy usually doesn't pick up.
Trailer & Towing Coverage
Trailers often need to be specifically scheduled on your policy, whether you own them or tow a client's or rental trailer - don't assume a trailer is automatically covered just because the tow vehicle is.
Built for your fleet size
One Work Vehicle
A single truck or van used for the business - often the first policy an owner-operator adds once they realize a personal auto policy won't respond to a work-related claim.
A Small Fleet
2 to 10 vehicles, where tracking driver records, renewal dates, and coverage consistency across the fleet starts becoming real administrative work.
A Larger Fleet
10+ vehicles, where DOT compliance may come into play depending on vehicle weight and how far you operate - generally required once a vehicle exceeds 10,001 lbs and is used in interstate commerce, among other triggers. We help larger fleets confirm exactly where they stand.
Commercial Auto & Fleet Insurance FAQ
Will my personal auto insurance cover my truck if I use it for work?
Often not. Personal auto policies are priced and written around personal use, and many either exclude business use entirely or limit coverage significantly once a vehicle is used to haul tools, make deliveries, or otherwise support a business. A commercial auto policy is built specifically for that use.
What is Hired & Non-Owned Auto (HNOA) coverage, and do I actually need it?
HNOA covers your business's liability when a vehicle you don't own is used for business purposes - either a vehicle your business rents ("hired"), or an employee's personal vehicle used for a work errand ("non-owned"). If any employee ever runs a business errand in their own car, or your business ever rents a vehicle, this is worth having - it's one of the most commonly overlooked gaps we find.
Are my tools and equipment covered if they're stolen from my truck or a job site?
Not usually under a standard commercial auto or general liability policy. Tools and equipment typically need their own coverage - often called an inland marine or contractors' equipment floater - that follows the equipment wherever it goes, whether that's in transit or sitting at a job site overnight.
Do I need a USDOT number for my business vehicles?
It depends on your vehicle weight, how far you travel, and what you haul. Generally, a USDOT number is required for vehicles over 10,001 lbs operating in interstate commerce, along with certain vehicles carrying hazardous materials or passengers regardless of weight. Requirements get specific fast, so it's worth confirming your exact obligation rather than assuming either way.
Find out what your current policy actually covers
Send us your vehicle list and how they're used - we'll tell you exactly where the gaps are.
Get a Commercial Auto QuoteOr call us directly at (863) 606-5147