Commercial Auto & Fleet Coverage
Your work vehicles are your mobile business. Commercial auto covers liability arising from operating company vehicles and physical damage to the trucks, vans, and trailers themselves. For spray foam contractors hauling heavy rigs, correct commercial auto coverage—including hired and non-owned auto for when crews use personal vehicles—keeps a road incident from becoming a business-ending event. (The equipment inside the trailer is covered under equipment coverage.)
What's Covered
- Liability for company vehicles on the road
- Physical damage to trucks, vans, and trailers
- Hired and non-owned auto coverage
- Coverage for rig-hauling trailers
- Fleet options for multiple vehicles
- Cargo coverage coordination
- Roadside and towing options
- Blanket additional insured for contracts
Common Scenarios
- →A work van is in a collision en route to a job
- →A trailer accident occurs while hauling the rig
- →An employee has an at-fault accident on a work errand
- →A company vehicle is damaged or stolen
Typical Limits
Liability commonly $2M; physical damage to vehicle values
Get a Quote for Commercial Auto
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Request Free QuoteOther Coverages
Commercial General Liability
The foundation policy for every spray foam contractor—covers third-party bodily injury and property damage arising from your operations.
Pollution Liability
The coverage spray foam contractors can't skip—polyurethane foam is a classified pollutant, and standard CGL excludes pollution claims.
Equipment & Tools
Protect your proportioner, spray rig, hoses, generators, and tools against theft, damage, and breakdown—at the shop, on the road, or on site.