A contractor's auto exposure isn't just the trucks on the policy. It's the new hire who isn't on the driver schedule yet, the employee running a personal truck for a company errand, and the policy language that decides whether either one is covered.
We build your commercial auto around how your crews actually operate — the right coverage symbols so a claim doesn't hinge on a driver list, Hired & Non-Owned Auto for the personal vehicles doing company work, and a process for adding drivers and units the day they start. It's the difference between a policy that looks right and one that pays.
Auto liability
Bodily injury and property damage you're liable for arising from a covered vehicle.
Physical damage
Collision and comprehensive coverage for owned vehicles and equipment on them.
Hired & Non-Owned Auto
Exposure from rented vehicles and employees' personal vehicles used for company business.
Medical payments / UM
Medical and uninsured-motorist protection, where applicable to your program.
What's actually covered is governed by your issued policy and its endorsements — this is a general description, not a coverage determination. That's exactly why the structure below matters.
A scheduled-drivers-only policy can deny the claim when the wrong person is driving.
A rigid "scheduled drivers only" auto policy can walk away from a loss when a newly-hired or unlisted employee is behind the wheel — and when an employee uses a personal truck for a company errand, the injured party can reach past them to your business. We structure your program with the right coverage symbols, Hired & Non-Owned Auto, and a driver-onboarding habit so coverage doesn't hinge on a list that's always a step behind.
Go deeper on Commercial Auto
Plain-English guidance on Commercial Auto, written for contractors, not adjusters.
Commercial Auto: The Two Gaps Every Contractor Misses
Most contractors think of Commercial Auto as a simple box to check — cover the work trucks, move on. Two specific gaps in how these policies are typically written are where real claims actually…
Read the full article →More Commercial Auto guidance is on the way.
More Commercial Auto guidance is on the way.
Would your auto policy pay if an unlisted driver caused the loss?
Get a free auto coverage check — we'll look at your coverage symbols, your driver schedule, and your Hired & Non-Owned exposure.
Unique Risk Management & Insurance Services — commercial insurance for contractors since 2007. Licensed in CA, FL, MN, UT & NJ. This page is general risk-management and business-structuring education. It is not a coverage determination, a guarantee of coverage, or legal advice; coverage is governed solely by the terms of your issued policy and its endorsements.