Comprehensive Commercial Auto Insurance for Contractors
Astrus helps construction businesses identify and mitigate their auto liability risks, from accidents on the road to vandalism and theft, with tailored commercial auto insurance designed uniquely for contractors.
Protect Your Bottom Line with Contractor Automobile Insurance
In construction, vehicles are more than transportation; they’re essential to getting the job done. Whether moving crews, hauling materials or transporting equipment, reliable transportation keeps your operations running smoothly and supports timely project completion. Astrus provides commercial automobile insurance tailored for contractors, helping protect against the financial impact of collisions, property damage, theft and other covered events.
Commercial Auto Insurance Built for Contractors
From a single work truck to a fleet serving multiple job sites, we structure commercial auto insurance around the realities of contractors’ operations. Our underwriting approach addresses exposures for owned, leased, non-owned and hired vehicles, with options to help close common gaps such as coverage for business drivers without personal automobile insurance.
Elite Automobile Insurance Expertise for Contractors
Astrus is the leading managing general underwriter dedicated to the construction industry. Our underwriters, risk engineers and claims professionals understand the unique demands of contractor fleets and the risks that come with operating in high-exposure environments. We combine market access with disciplined underwriting to help you align contractor automobile insurance coverage with your risk tolerance and operational needs.
Risk-Focused Approach for Contractors
Beyond policy issuance, we work with clients to identify and address the root causes of automobile losses. Our loss control strategies, supported by construction-specific insights, are designed to help reduce the frequency and severity of claims, supporting safer operations and long-term cost stability.
Hands-On Contractor Automobile Insurance Claims Management
When a covered event triggers a commercial automobile insurance policy, timely and accurate claim handling matters. Our claims team coordinates with carriers and brokers to streamline the process and support efficient resolution, allowing your team to stay focused on project timelines.
Exclusive Access to Automobile Insurance Markets and Brokers
Through our established distribution network, we provide broadened access to program structures designed for the construction sector. Our teams respond quickly to changing market conditions, helping ensure automobile insurance coverage terms and program designs meet your business requirements.
Contact UsContractors Commercial Auto Insurance FAQs
Commercial auto insurance is a type of insurance policy designed to protect construction businesses against risks involved in operating commercially owned vehicles. This policy safeguards contractors against significant legal expenses, repair costs and other financial risks that can stem from operating business-owned vehicles like trucks and vans.
Commercial auto insurance for contractors covers a variety of auto liability risks that come with owning and operating vehicles for business purposes, including:
- Collisions
- Theft
- Vandalism
- Property damage
- Third-party injuries
One of the biggest threats to commercial vehicles is accidents on the road, which can introduce bodily injury liability and damage to vehicles. Without commercial auto insurance, your business may face significant expenses following a collision, which can threaten the profitability and overall sustainability of your operations. Auto insurance for contractors is designed to mitigate these financial threats, ensuring your business and its employees are protected every time they set out on the road.
Contractors rely on transportation to move personnel, tools and materials to and from job sites, allowing them to complete their daily tasks and keep project timelines moving forward. Whether your business owns a single vehicle or a fleet of trucks or vans, commercial auto insurance can help protect against property damage, third-party injuries and other incidents stemming from vehicle use.
In today’s increasingly complex risk environment, commercial auto insurance isn’t just a best practice; it’s often essential for contractors to meet state-required coverage levels and client requirements. Our team of insurance specialists at Astrus can help you navigate commercial auto insurance requirements and develop a customized insurance program that meets your needs.
The cost of commercial auto insurance for contractors will vary depending on several factors, including:
- The number of vehicles in your fleet
- The types of vehicles in your fleet
- The number of drivers operating your vehicles and their driving records
- Amount of coverage needed according to state regulations, project requirements and your unique needs
Get in touch with a representative from Astrus today for more information on pricing and how your construction business can stay protected against auto liabilities.
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