Commercial Auto Insurance
Do I Need Commercial Auto for Just One Work Truck?
Yes — even a single vehicle used for contractor work requires commercial auto coverage. Personal policies exclude business use regardless of how many vehicles you own.
Do I need commercial auto insurance if I only have one work truck?
The number of vehicles doesn’t determine whether you need commercial auto — the use of the vehicle does. A single pickup truck driven daily to job sites is a commercial vehicle in terms of insurance classification.
Many insurers offer single-vehicle commercial auto policies at competitive rates. For a standard contractor pickup, you’re often looking at $1,500–$3,000/year for $1M CSL coverage — well worth the protection.
If you have one vehicle that serves dual personal and business purposes, your agent can structure coverage that addresses both uses appropriately.
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Trade Safe shops dozens of A-rated carriers to find the right commercial auto coverage for your contracting business.