Contractor Fleet Insurance
Contractor fleet insurance for builders, trades, and service contractors running two or more work vehicles, placed by a licensed independent agency with 20+ years of experience.
TL;DR
Contractor fleet insurance is commercial auto coverage for a contracting business that runs two to 100-plus work vehicles, including fleets of 10 or more, with multiple drivers and job sites. A general contractor with three pickups and a trailer, an electrical contractor with five service vans, a concrete outfit with mixers and a foreman's truck: each is one operation, and the coverage should be handled as one coordinated program instead of a separate insurance problem per vehicle. We shop A-rated carriers, and options can come back in as little as 72 hours.
Who This Is For
- General contractors and builders running crew trucks, pickups, and trailers
- Electrical, HVAC, plumbing, roofing, and landscaping contractors with service vans or trucks
- Concrete, excavation, and site-work contractors with mixers, dump trucks, and equipment haulers
- Any contracting business where employees drive company vehicles, or their own vehicles, to job sites
Desert Ready Mix is a client we can name.
This page is not for a one-truck owner-operator, a single-vehicle handyman, or personal vehicles used occasionally for errands. If your business runs two or more vehicles for work, keep reading.
Who insures contractor fleets with 10 or more vehicles?
Fleet Insurance Agents insures contractor fleets of 10 or more vehicles under one commercial auto policy, and does the same for contractors running as few as two work trucks or as many as 100-plus. We are an independent agency, so a 10-vehicle fleet gets quoted to several A-rated carriers rather than one company's rate, and the certificates come back on one program instead of a stack of individual policies. A licensed agent reviews your vehicle list, driver list, current declarations page, and loss runs, and calls you within one business day. We are licensed in California, Nevada, Texas, Arizona, and Florida; if your contractors fleet insurance is based somewhere else, ask and we will tell you on the first call whether we can place it or who can.
What Contractor Fleets Commonly Need
Coverage depends on the vehicles you list, the policy terms, and how the operation runs. As a licensed agency, we commonly look at:
- Commercial auto liability. Protects the business when a covered vehicle causes bodily injury or property damage to someone else. It can also include legal defense for a covered claim; how defense costs are handled depends on the policy. See commercial auto liability
- Physical damage. Protects your own covered vehicles. If a vehicle is financed, the lender will commonly require comprehensive and collision.
- Hired & non-owned auto. Protects the business from liability when rented, borrowed, or employee-owned vehicles are used for work. We commonly recommend contractors look at this, because a foreman driving his own truck to a site is an exposure the business carries. Hired & non-owned auto
Most contracts and lenders require more than the state minimum. A $1 million combined single limit is a common requirement in commercial contracts; the GC or owner you are working for will usually tell you what they expect on the certificate.
Certificates Before the Job Starts
The most common reason a contractor calls us is a certificate deadline: a GC will not release the schedule until the COI is in hand, or a municipal contract lists limits the current policy does not meet. Tell us the contract's insurance requirements up front and we shop to them, so the certificate you get matches what the contract asks for. A licensed agent calls you within one business day.
What Affects the Price
We don't publish a generic contractor rate. The vehicles, who drives them, where the jobs are, what is hauled or towed, and the limits the contracts require all shape the options. Tell us about the fleet and we come back with actual coverage and pricing, not an estimate.
How It Works
- 1Tell us about the vehicles, drivers, and the contracts you need certificates for.
- 2We shop A-rated carriers.
- 3We present the coverage and pricing options.
- 4You bind and get your certificates.
Renewing contractor fleet insurance that is about to expire
If your contractor fleet insurance renews soon, you do not have to accept the renewal offer as it stands. Send us the renewal quote together with your current declarations page, your vehicle list with VINs, your driver list, and your loss runs, and we shop the same fleet to several A-rated carriers. Options can come back in as little as 72 hours once we have those documents, so the earlier the renewal offer is in your hands, the more room there is to compare. Nothing changes until you decide to bind, and if the incumbent's renewal is the best option we will say so. Start here: get renewal quotes for your contractor fleet.
FAQs
Which insurance agencies specialize in fleet insurance for construction companies?
Look for an independent agency that writes multi-vehicle commercial auto as its main line, can show you a construction client it already insures, and will quote to your contract's certificate requirements rather than to state minimums. Fleet Insurance Agents fits that description: we place fleet coverage for general contractors, trades, and concrete and site-work firms, Desert Ready Mix is a current client, and we shop every fleet to several A-rated carriers.
My crew drives their own trucks to job sites. Is the business covered?
Not by a policy that only lists company-owned vehicles. Hired & non-owned auto is the coverage we commonly recommend contractors look at for exactly this situation. Ask us on the first call.
Can you write trailers and equipment haulers on the same program?
Tell us what you tow and haul. Trailers and the vehicles that pull them are part of the fleet conversation, and the options depend on the carrier and the policy.
Do you handle contractors outside Nevada?
See the license line below. If your fleet is garaged in another state, ask us; we can often place coverage or point you to the right market.
Related: Commercial fleet insurance · Small fleet insurance
Need a certificate before the job starts?
Start the quote now. Nothing changes until you decide to bind.
Licensed in California, Nevada, Texas, Arizona, and Florida, with additional state licenses in progress. Nevada License #17116002. If your fleet is garaged in another state, ask us; we can often place coverage or point you to the right market.