Commercial Auto Insurance

Commercial auto insurance protects the rolling fleet that keeps an excavation operation moving. Dump trucks hauling spoil, lowboy trailers transporting excavators and dozers, water trucks, fuel-and-lube trucks, and crew pickups all spend their days on public roads and busy jobsites. The size and weight of these vehicles means that when an accident happens, the damage and injuries — and the resulting claims — are far more serious than a typical passenger-car collision. A personal auto policy categorically excludes business use of these vehicles, so commercial auto is non-negotiable.

For excavation contractors, commercial auto responds to both the liability and physical-damage sides of a loss. Liability coverage pays for bodily injury and property damage you cause to others — the most expensive exposure, since a loaded dump truck rear-ending a car or a lowboy jackknifing on the highway can produce catastrophic injury claims. Physical damage coverage (comprehensive and collision) pays to repair or replace your own trucks and trailers after a wreck, theft, vandalism, or weather event. Given that a single tandem dump truck or lowboy tractor can be worth well over a hundred thousand dollars, that protection matters.

Excavation fleets have specific exposures that a generic auto policy can miss. We make sure your trailers and the equipment they carry are properly scheduled, that hired-and-non-owned auto coverage protects you when an employee runs an errand in a personal vehicle or you rent a truck for a surge, and that any DOT-regulated vehicles carry the required filings — including MCS-90 endorsements and the federal liability minimums for interstate hauling. Misclassifying a vehicle's radius of operation or use can leave a gap that surfaces at the worst possible moment.

We also coordinate your commercial auto with your inland-marine equipment policy so there is no confusion about whether a dropped excavator is an auto loss or an equipment loss, and we align your auto liability limits with your umbrella so large highway claims are fully backed. As contractor specialists, we structure your commercial auto around how excavation crews actually operate — heavy vehicles, equipment transport, multiple drivers, and DOT compliance — so a fleet loss does not become a business-ending event.