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Contractor Vehicle Insurance
— Keep Your Tools & Team Protected

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For contractors, your vehicle is more than just transportation — it’s your mobile business. COVER AI makes sure it’s protected.

Whether you’re an electrician, plumber, landscaper, or builder, your work vehicle carries tools, equipment, and supplies critical to your business. COVER AI offers contractor vehicle insurance designed to safeguard your livelihood on and off the road.

What Is Contractor Vehicle Insurance?

This type of commercial auto insurance is built for work trucks, vans, and utility vehicles used by contractors and tradespeople.

What’s Covered
Why It’s Important
Liability Coverage
Pays for damage or injury you cause to others while working.
Collision Coverage
Covers damage to your work vehicle after an accident.
Comprehensive Coverage
Protects against theft, vandalism, fire, and weather-related damage.
Tools & Equipment Coverage
Optional add-on for valuable tools and machinery inside the vehicle.
Hired/Non-Owned Auto Coverage
Covers vehicles you rent or your employees’ personal vehicles used for work.
What’s Covered
Liability Coverage
Why It’s Important
Pays for damage or injury you cause to others while working.
What’s Covered
Collision Coverage
Why It’s Important
Covers damage to your work vehicle after an accident.
What’s Covered
Comprehensive Coverage
Why It’s Important
Protects against theft, vandalism, fire, and weather-related damage.
What’s Covered
Tools & Equipment Coverage
Why It’s Important
Optional add-on for valuable tools and machinery inside the vehicle.
What’s Covered
Hired/Non-Owned Auto Coverage
Why It’s Important
Covers vehicles you rent or your employees’ personal vehicles used for work.

Why You Need Contractor Vehicle Insurance

Stay Legal & Compliant

Meet state and client insurance requirements.

Protect Your Business Assets

Repairing or replacing a work vehicle or stolen tools can be financially devastating.

Keep Your Business Moving

Get back to work fast after accidents, theft, or breakdowns.

Show Clients You’re Professional

Having proper insurance boosts your credibility and trustworthiness.

Who Should Get Contractor Vehicle Insurance?

  • General contractors
  • Electricians, plumbers, HVAC technicians
  • Roofers, painters, landscapers
  • Mobile mechanics, pest control services
  • Any small business using vehicles for work

Why Choose COVER AI ?

  • Tailored policies for contractors and trades
  • Affordable rates with flexible coverage options
  • Add-on protections for tools, gear, and equipment
  • Fast quotes, easy claims, and dedicated support

Frequently Asked Questions

Can I add coverage for my tools inside the vehicle?
Yes! COVER AI offers optional tools & equipment coverage.
Yes — personal auto insurance usually doesn’t cover business use.
We offer hired/non-owned auto coverage to protect your business.
Ask a question

Ready to Protect Your Business on Wheels?

Let COVER AI help you safeguard your contractor vehicles, tools, and team.
Get a custom contractor vehicle insurance quote today.

Get My Free Quote
Call us:
+1 (312) 395-0872
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Cover AI LLC Insurance Agency License No: 3003609556

E&O Insured by biBERK, Berkshire Hathaway | Surety Bond: Travelers $50,000
3400 Dundee Rd, Suite 150, Northbrook, IL 60062

info@coverai.net

+1 (312) 395-0872

Get a Quote

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