work trucks, working coverage.
If a vehicle works — hauls tools, delivers product, visits clients, carries your logo — it needs commercial auto. Personal policies routinely deny business-use claims, and that denial arrives at the worst possible moment.
10+ carriers compared
commercial auto insurance, done right.
liability that matches the risk
Work vehicles carry higher limits because work accidents draw business-sized lawsuits.
any-auto & hired/non-owned
Employees driving personal cars on errands? Rented vans? Coverable — and commonly missed.
tools & equipment
The truck is covered; the $20k of tools inside needs its own coverage. We pair them.
good to know, colorado edition.
The classic Denver contractor mistake: a personal-auto pickup full of tools, denied after an accident on the way to a job site. If the vehicle earns money, insure it like it does.
price it for me →
asked constantly.
My truck is in my personal name. Personal or commercial policy?
Usage decides, not the title. Regular business use means commercial — and contractors' personal carriers increasingly ask and audit.
What is hired & non-owned auto coverage?
It covers your liability when employees use personal or rented vehicles for work — the gap behind so many small-business claims. Cheap to add to a BOP or commercial auto policy.
Do delivery apps count?
Yes — courier and delivery exposure is its own rating class. Tell us honestly; sorted correctly it's affordable, discovered at claim time it's a denial.
two minutes to real numbers.
Free commercial auto insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.