Commercial auto
Business auto coverage, symbol 1 ('any auto') the broadest
Your personal auto policy can deny claims that happen while working. If the van carries ladders and invoices, it needs a commercial policy.
Who needs it
Any trade driving to job sites with gear — which is every trade here.
Covered vs. not covered
Commercial autoExclusions up front
Covered
- Accidents while driving for work
- Liability for damage your vehicle causes
- Optionally the vehicle itself (collision/comprehensive)
Not covered — read this first
- Tools inside the van (tools & equipment)
- Personal vehicles never used for work
- Rideshare moonlighting
Trades that carry it
See what the full stack looks like for your trade:
Handyman Pressure washing Electrician Plumbing HVACFrequently asked questions
My van is in my personal name — am I fine?
Personal policies routinely exclude business use. One denied ladder-rack claim costs more than years of the premium difference.
Coverage without the decoder ring →
Tell us about your work