Homes and businesses often need regular preventative maintenance and, at times, emergency repairs to avoid costly damage. Service and repair contractors play a key role in keeping properties safe and functional.
Skilled professionals such as carpenters, plumbers, electricians, roofers, and drywall contractors frequently travel between job sites with their tools and equipment. This increased time on the road puts them at greater risk for motor vehicle accidents while working.
Service & Repair Artisan Contractors Commercial Auto Insurance is essential for these businesses. It covers vehicles used for work purposes, including those that are owned, leased, rented, or employee-owned but used on the job.
A typical policy will cover:
- Legal and medical expenses related to road accidents and third-party claims
- Vehicle damage from collisions, theft, vandalism, or fire
What is Service & Repair Artisan Contractors Commercial Auto?
This type of commercial auto insurance is designed for contractors and tradespeople who regularly use vehicles for business purposes. It helps protect against financial losses from accidents, property damage, and liability claims that occur while driving for work.
Who Needs It
Any business providing repair or maintenance services that involves driving to customer locations should consider this coverage. This includes:
- General contractors
- Plumbers and electricians
- HVAC technicians
- Roofers and drywall specialists
- Handymen and mobile repair services
What It Typically Covers
Commercial auto insurance for artisan contractors usually includes:
- Liability coverage for bodily injury and property damage
- Collision coverage for damage from accidents
- Comprehensive coverage for theft, vandalism, and weather damage
- Uninsured/underinsured motorist protection
- Medical payments or personal injury protection (varies by state)
Common Exclusions and Limitations
Policies may not cover personal use of the vehicle, intentional damage, or unlisted drivers. Coverage for tools and equipment inside the vehicle may require additional endorsements or separate inland marine insurance.
Factors That Influence Cost
Premiums are typically based on factors such as:
- Type and number of vehicles insured
- Driving history of listed drivers
- Business location and service area
- Claims history
- Coverage limits and deductibles selected
Proof of Insurance and Compliance
Most states require proof of commercial auto insurance if a vehicle is used for business. Certificates of insurance (COIs) are often needed for job bids, contracts, or to meet licensing requirements. Requirements vary by state, so check local regulations to ensure compliance.
How to Get a Quote
To find coverage that fits your business, get a Service & Repair Artisan Contractors Commercial Auto Insurance quote today.
Related Coverages
Frequently Asked Questions
Is personal auto insurance enough for my contractor vehicle?
Usually not. Personal auto policies often exclude coverage for vehicles used for business purposes, which can leave gaps in protection.
Does this insurance cover the tools in my truck?
Not typically. Tools and equipment may require a separate inland marine or business personal property policy for full coverage.
Can I add multiple vehicles to one policy?
Yes, many commercial auto policies allow you to cover multiple business vehicles under a single policy.
What if my employee uses their own car for work?
You may need non-owned auto liability coverage to protect your business in case of an accident while the employee is driving their own vehicle for work.
How quickly can I get proof of insurance?
After purchasing a policy, most insurers can provide a certificate of insurance (COI) the same day, often within minutes.
Still have questions? Talk to a local insurance expert.