Commercial auto
A work truck is not a personal auto.
A pickup with a ladder rack and your company name on the door is used for work. A personal auto policy can deny a claim when the truck was on the job.
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What we place
The truck with your name on the door needs commercial coverage.
- Commercial auto for pickups, vans, trailers and the drivers who operate them.
- Hired and non-owned auto protection when employees run work errands in their own cars.
- Coverage built around where trucks park, what they haul and how far they travel from Sioux Falls.
What trips contractors up
A ladder rack, trailer, or employee errand can change the claim.
- A personal auto policy can deny a claim when the vehicle is used for work.
- Trailers need to be included with the rest of the fleet, not left as an afterthought.
- Employee-owned vehicles used for errands create a gap without hired and non-owned auto coverage.
What we need to quote
Give us the truck list and the drivers behind the wheel.
- Each vehicle's year, make, model, VIN and what it is used for.
- Where every vehicle is parked overnight.
- Each driver's name and date of birth. We collect license numbers by phone.
- Trailers and what they haul.
- How far from Sioux Falls the trucks usually go, employee errands, and your current declarations page.
Bring your current declarations page along with the vehicle list, driver details, trailers, and the usual distance your crews travel from Sioux Falls.
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