Transportation Insurance
Key Coverages:
From small trades to general contractors, your work carries unique on-site risks. Our Contractors Insurance packages combine Commercial General Liability (CGL) with Tools & Equipment, Installation Floater, and Builders Risk/Course of Construction to protect your projects, people, and reputation.
Commercial Auto Liability –
Covers bodily injury and property damage caused by insured vehicles.
Physical Damage Coverage –
Protection for owned trucks, trailers, and equipment against collision and comprehensive losses.
Motor Truck Cargo Insurance –
Covers loss or damage to cargo while in transit..
Fleet Insurance –
Simplified coverage for multiple vehicles under one policy.
Non-Owned & Hired Auto Liability –
Protection for leased, rented, or owner-operated vehicles.
Trailer Interchange Coverage –
Covers damage to non-owned trailers under interchange agreements.
Umbrella / Excess Liability –
Higher limits over CGL/Auto Liability Policies.
General Liability Insurance –
Protection for operations-related claims beyond vehicle use.
Umbrella / Excess Liability –
Additional limits for higher-risk operations.
Downtime / Loss of Use Coverage (where available) –
Helps offset income loss while vehicles are out of service.
Cross-Border Trucking Coverage –
Seamless protection for U.S. and Canadian routes.
Who It's For
Trucking and hauling companies
Electricians
Plumbers
Roofers
Framers
Landscapers
Demolition
Drywallers
Specialty Trades
Paving Contractors
HVAC Contractors
Common Claims Scenarios
Stolen trailer of tools from a site (Contractor’s Equipment
Overspray or contaminant release (Pollution Liability)
Windstorm damages partially installed materials (Installation Floater/Builders Risk)
Water damage to a client’s property during a reno (CGL)
Risk Mamagement Tips
Maintain Daily job logs and site photos
Use lockable tool storage and GPS tagging for trailers
Implement hot work permits and water shut-off/line testing protocols
Require COIs and contracts with hold-harmless/indemnity and waiver-of-subrogation clauses
What We'll need for a Quote
Business operations, years in trade, revenue, payroll, and subcontracting %
Equipment schedule (values/serials), project values, typical job size and max job size
Claims history (5 years), bonding needs, and certificate/contract requirements
.