Commercial Auto Insurance: Don’t let malfunctioning vehicles stall your project

Whether you are hauling equipment or driving your pickup to the job site, you should be comforted by the fact that – whatever happens – your commercial auto insurance policy has got you covered. Because not all commercial auto policies are the same, we conduct a comprehensive analysis to understand exactly how you use the vehicles in your business.

Are you frequently pulling trailers? Do your employees use your vehicles to drive from one construction site to another? These are important factors in your business, and will help us shape policies that reflect how you need to be protected.

Some of the common insurance coverage associated with this policy include:

  • Automobile Liability protects you against bodily injury or property damage claims regarding a vehicle that your company owns, maintains, or uses.

  • Non-Owned Automobile Liability protects you from automobiles that you use but that your company does not own, lease, hire, rent, or borrow. An extremely important part of your policy – especially if your foreman or crew members travel from one construction site to another using their own cars – this may include employee or subcontractor automobiles.

  • Hired Automobile Coverage protects you from claims regarding vehicles that you or your employees lease, hire, rent, or borrow during the course of business.

  • Medical Expense Coverage pays for – regardless of fault – all reasonable medical expenses incurred for up to one year from the date of the accident. This provision does not cover employees, however, but will cover subcontractors or other people involved in the accident.

  • Uninsured and Underinsured Motorist Coverage protects you and any passengers against bodily injury expenses if you are ever in an accident with a driver who has no automobile liability insurance or less than the minimum limits required by the state.

  • Comprehensive Coverage protects you from damage expenses due to vehicle loss, not including collision or upset.

  • Collision Coverage protects you from vehicle loss or damage expenses due to collision or upset.

Ready to protect your business from financial loss? Fill out this form to receive a free insurance quote. Or, if you have questions, call us at (800) 414-6333 or email us.

Looking for more insurance coverage?

ConstructSure offers the insurance following policies:

We also provide other services, such as bonds, investments, and financial planning. For more information, please visit our Bonds & Financial Services page.

ConstructSure provides construction contractor insurance in Maryland, Virginia, Washington DC, and Pennsylvania. The information contained on this site is intended for illustrative purposes only. ConstructSure coverage is subject to the conditions, restrictions, limitations, exclusions, and terms of the policy documentation. Coverage may vary by state and availability of policies is subject to each state’s approval.


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3881 Ten Oaks Rd.,

Suite 2E,

Glenelg, MD 21737

Phone. 800-410-6333