Commercial auto
If a vehicle is used for work, such as hauling tools, visiting clients or making deliveries, a personal auto policy may not cover it. Tell your agent how the vehicle is really used so a claim is not denied later.
Trucking
Owner-operators and fleets need coverage built around the operation: liability, cargo, physical damage to tractors and trailers, and coverage for when you are leased to a carrier.
- Insurers look closely at driver experience and abstracts, your CVOR record, the radius you operate in, and whether you cross into the United States.
- New ventures can be insured, but expect more questions and a higher first-year price.
Small business
- General liability. Injury or damage claims from customers and the public.
- Property. Your premises, equipment, tools and inventory.
- Business interruption. Lost income while you recover from a covered loss.
- Professional liability. Claims that your advice or service caused a loss.
- Cyber. Data breaches and ransomware.
What to have ready
- Business name, what you do and annual revenue.
- Vehicle list with VINs, and each driver’s licence and abstract.
- CVOR abstract, for trucking operations.
- Your claims history for the last five years.
Common questions
I deliver food or drive rideshare part-time. Does my personal policy cover it?
Often not unless you add specific coverage. Tell your agent exactly how you use the car so the right coverage is in place before you start driving for pay.
Can you insure a new trucking company?
Yes, though fewer insurers write new ventures and the first year usually costs more. A clean driver history and a clear plan for your lanes and cargo help.