For construction contractors in Bucks County and Montgomery County, vehicles are essential tools of the trade. From pickup trucks and vans to dump trucks and flatbeds, your fleet represents a significant investment — and a significant liability exposure. Commercial auto insurance is not optional; it's a critical part of your overall risk management program.
Why Personal Auto Insurance Isn't Enough
Many contractors make the mistake of relying on personal auto insurance for vehicles used in their business. This is a serious error. Personal auto policies typically exclude coverage for vehicles used for business purposes. If an employee is involved in an accident while driving a company vehicle — or even their own vehicle on company business — and you don't have commercial auto coverage, you could face uncovered losses and significant liability.
What Commercial Auto Insurance Covers
- Liability — bodily injury and property damage you cause to others
- Collision — damage to your vehicle from an accident
- Comprehensive — theft, vandalism, weather damage, and other non-collision losses
- Uninsured/underinsured motorist — protection if you're hit by a driver with no or insufficient insurance
- Medical payments — medical expenses for you and your passengers
Hired and Non-Owned Auto Coverage
If your employees use their personal vehicles for company business — driving to job sites, picking up materials, or running errands — you need hired and non-owned auto (HNOA) coverage. This protects your business from liability if an employee causes an accident while driving their personal vehicle on company time. HNOA is often added as an endorsement to your commercial auto or general liability policy.
Top Carriers for Contractor Commercial Auto
The Stoll Agency works with leading commercial auto carriers including Travelers, The Hartford, and Liberty Mutual to find the right fleet coverage at competitive rates for Pennsylvania contractors.
Tips to Reduce Your Commercial Auto Premiums
- Implement a formal driver safety program and MVR screening policy
- Install GPS tracking on fleet vehicles
- Maintain vehicles regularly and document maintenance records
- Set clear policies on personal use of company vehicles
- Bundle commercial auto with your other business insurance policies
Get a Commercial Auto Quote
Protect your fleet with the right coverage. Contact The Stoll Agency today.
Request a Quote