Partner with the #1 contractor commercial auto insurer in America. Call (800) 918-3584 for your quote.
Your vehicles are essential to your contracting business. From getting to job sites to hauling materials and equipment, you need reliable commercial auto coverage that protects your investment and keeps you on the road.
Why Choose Our Commercial Auto Program
Industry Leader: We partner with the #1 insurer of contractor vehicles in America
Extensive Experience: Currently insuring over 1 million commercial vehicles
Contractor-Focused: Coverages designed specifically for construction industry needs
Nationwide Support: 24/7 claims service and repair networks across the country
Vehicles We Cover
Light Commercial
Cars and SUVs for business use
Pickup trucks and light-duty trucks
Cargo and passenger vans
Box trucks and flatbeds
Heavy Equipment
Dump trucks (all sizes)
Tractor trailers
Crane trucks
Concrete mixers
Trailers & Specialized
Utility trailers
Equipment trailers
Dump trailers
Hot shot trucks for expedited transport
Comprehensive Coverage Options
Standard Protections
Liability Coverage: Bodily injury and property damage
Physical Damage: Collision and comprehensive
Medical Payments: For you and your passengers
Uninsured/Underinsured Motorist: Protection from other drivers
Business-Specific Coverage
Hired Auto: Coverage for rented or borrowed vehicles
Non-Owned Auto: Protection when employees use personal vehicles
Any Auto Coverage: Blanket coverage for all vehicles
Equipment Coverage: Tools and equipment permanently attached
Cost-Saving Features
Multi-Vehicle Discounts: Save more as your fleet grows
Safety Equipment Credits: Rewards for safety features
Claims-Free Discounts: Benefits for safe driving records
Seasonal Adjustments: Match coverage to your busy seasons
Claims Support When You Need It
24/7 Claims Hotline: Always available when you need us
Nationwide Repair Network: Quality repairs wherever you are
Direct Billing: We work directly with repair shops
Rental Assistance: Keep working while your vehicle is repaired
Specialized Programs
Hot Shot Trucking
Specialized coverage for expedited freight and time-sensitive deliveries with:
Higher liability limits
Cargo coverage
Quick quote turnaround
Flexible payment options
Fleet Programs
For contractors with multiple vehicles:
Simplified administration
Volume discounts
Unified renewal dates
Dedicated account management
New York City & TLC Commercial Auto Insurance
Operating a commercial vehicle in New York City adds a layer most other markets don't have: the NYC Taxi and Limousine Commission (TLC). If a vehicle is used for hire or business purposes within the five boroughs (Bronx, Brooklyn, Manhattan, Queens, Staten Island), it can fall under TLC jurisdiction — which comes with its own insurance minimums, separate from standard New York state commercial auto requirements.
Who TLC Requirements Typically Apply To
For-hire passenger vehicles: black cars, livery vehicles, and app-based for-hire vehicles operating under a TLC license
Delivery-for-hire operations using vehicles for compensated delivery within NYC
Shuttle and charter services operating within the five boroughs
A contractor's work truck passing through or parking in NYC to reach a job site is a different situation from a licensed for-hire vehicle. If you're not sure which category your operation falls into, that's a conversation to have with a licensed New York commercial auto agent before you assume either way — the distinction affects both your legal requirements and your coverage.
TLC Coverage Minimums vs. Standard New York Requirements
TLC-regulated vehicles are commonly held to substantially higher minimum liability limits than standard statewide commercial auto minimums. Exact current dollar figures and rules are set by TLC and can change, so always confirm the specific numbers in effect with TLC or your agent rather than relying on any figure you find online — including this page.
What TLC Coverage Typically Costs
Standard commercial auto (light vehicles, statewide): roughly $1,500-$3,000 annually
TLC-compliant coverage (NYC for-hire operations): roughly $3,500 up to $10,000+ per vehicle annually
Actual cost depends heavily on vehicle type, driving record, claims history, and how the vehicle is affiliated (an independent base, a livery affiliation, or an app-based platform).
What Carriers Look At for TLC Placements
TLC license status for both the driver and the vehicle
Vehicle inspection status with TLC — a lapsed inspection can affect both your ability to legally operate and how a carrier views the risk
Affiliation type — base, livery, or app-based platform, since this affects which markets and carriers are available
Driving history and prior claims, the same as any commercial auto underwriting
Read the full walkthrough
For a first-hand conversational walkthrough of how we help TLC-licensed drivers and small fleet operators sort out coverage, see our TLC driver coverage case study.
Protect Your Business Vehicles Today
Don't let a vehicle accident derail your business. Get comprehensive commercial auto coverage designed specifically for contractors.
Call Now: (800) 918-3584 or 844-WORK-247
Our experienced agents understand contractor needs and will build a policy that protects your vehicles and your bottom line. Visit our Sun Lake Arizona office for local service, or explore all our contractor insurance services.
Key Features
#1 Contractor Commercial Auto insurer in America
Coverage for 1+ million commercial vehicles
24/7 claims service
Extensive repair network nationwide
Seasonal adjustment capabilities
Multiple vehicle and policy discounts
Frequently Asked Questions
What types of vehicles can you insure?
We insure everything from cars and pickups to dump trucks, tractor trailers, and specialized contractor equipment. This includes utility trailers and hot shot trucks.
Can I adjust coverage seasonally?
Yes, we offer seasonal adjustment capabilities to match your business cycles, helping you save money during slower periods.
What coverages are included?
Standard coverage includes liability, physical damage, medical payments, uninsured motorist, hired auto, and non-owned vehicle coverage.
Does my personal auto policy cover a truck I use for contracting work?
No. Personal auto policies typically exclude business use, especially for vehicles used to haul tools, materials, or trailers to job sites. A commercial auto policy is built for that exposure and won't leave you exposed to a denied claim after an accident.
What is Non-Owned Auto coverage and do I need it?
Non-Owned Auto coverage protects your business when an employee uses their own personal vehicle for company errands or job-site trips. Without it, your business could be liable if that employee causes an accident while working, even though you don't own the vehicle.
Can I insure a hot shot trucking operation under a commercial auto policy?
Yes. Hot shot trucking for expedited freight typically needs higher liability limits and cargo coverage in addition to standard commercial auto protection, since these loads and delivery timelines carry different risk than typical contractor vehicle use.
What should I do immediately after a commercial vehicle accident?
Call the 24/7 claims hotline as soon as it's safe to do so, document the scene and any damage, and get the other driver's information. Fast reporting gets you into the repair network sooner and helps avoid disputes over what happened.
Do I need special commercial auto insurance to operate a vehicle in New York City?
If a commercial vehicle operates in NYC's five boroughs for hire or business purposes, it can fall under NYC Taxi and Limousine Commission (TLC) jurisdiction, which requires substantially higher minimum liability coverage than standard state commercial auto minimums. Confirm current exact limits with TLC or your agent, since this varies by vehicle type and use.
How much more does TLC-compliant commercial auto insurance cost versus standard coverage?
Standard commercial auto coverage for light vehicles typically runs $1,500-$3,000 annually. TLC-compliant coverage for NYC for-hire operations generally costs more, often ranging from about $3,500 up to $10,000+ per vehicle annually, depending on vehicle type, driving record, and risk profile.
Who actually needs NYC TLC insurance versus standard commercial auto?
TLC requirements generally apply to vehicles used for hire in NYC — black cars, livery vehicles, app-based for-hire vehicles, and similar passenger or delivery-for-hire operations. A contractor simply driving a work truck through NYC to a job site is a different situation from a licensed for-hire vehicle; if you're unsure which applies to your operation, talk to a licensed New York agent before assuming either way.
What do carriers check before binding TLC-specific commercial auto coverage?
Typical underwriting for TLC placements looks at the driver's and vehicle's TLC license status, vehicle inspection status, how the vehicle is affiliated (base, livery affiliation, or app-based platform), and driving/claims history — the same fundamentals as other commercial auto underwriting, applied to the for-hire context.
