Commercial auto for contractors and trades

Save 10% to 15% on your contractor commercial auto premium.

Commercial auto rates have climbed for years, and contractor fleets feel it first. Aiden Risk reviews how your trucks, vans and drivers are rated, then re-shops the policy across 100+ carriers.

Check my auto premium Talk to a broker
  • 100+ Carriers
  • 140+ Risk Signals
  • 48-Hour Placement

Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.

See what your commercial auto should cost.

Tell us how many vehicles you run, who drives them and how far they travel. A licensed specialist compares your current premium against real quotes.

Prefer to talk? Call (650) 263-6399

Where the savings come from

What drives commercial auto premium

Auto is rated vehicle by vehicle and driver by driver. Small errors add up across a fleet.

Vehicle classification

Weight class, use and the equipment each vehicle carries all set its rate. A pickup rated as a heavy truck costs more than it should.

Radius and garaging

How far vehicles travel and where they are parked overnight both move the price. Many policies still carry old addresses and long radius ratings.

Driver records

Carriers check every listed driver. Removing drivers who no longer work for you, and knowing which records hurt the rate, keeps premium honest.

Deductibles and physical damage

Older vehicles may not need full physical damage cover, and a higher deductible can lower premium where the fleet can absorb it.

What you are buying

What commercial auto covers

Liability

Injury and property damage your vehicles cause to others on the road or on a job site.

Physical damage

Collision and comprehensive cover for your own trucks, vans and trailers.

Hired and non-owned auto

Cover when employees use rented vehicles or their own cars for work, which personal auto policies often exclude.

How it works

Your premium, re-shopped in three steps

  1. Send us your current policy

    Share your declarations page or tell us what you pay today. That is the benchmark every quote is measured against.

  2. We re-shop it across 100+ carriers

    A licensed specialist corrects the rating details and takes the submission to the carriers currently writing your line.

  3. Compare, then decide

    You see real quotes side by side with your current premium. Switch only if the numbers and the cover are better.

FAQ

Contractor Commercial Auto questions, answered

Does my personal auto policy cover my work truck?

Usually not. Personal auto policies commonly exclude vehicles used mainly for business, owned by a business, or carrying tools and equipment to job sites. A claim during business use can be denied outright.

How can a contractor lower commercial auto premium?

Accurate vehicle classes, current garaging addresses and radius, a clean driver list, and deductibles matched to what the business can absorb all help. Quoting across many carriers finds the ones currently pricing contractor fleets well.

Do you insure trailers and mobile equipment?

Trailers are usually listed on the auto policy. Mobile equipment such as skid steers and excavators is typically covered under an inland marine or equipment floater, which we can place alongside the auto policy.

See every line we place for contractors.

Keep your fleet on the road for less.

Aiden Risk re-shops contractor commercial auto across 100+ carriers, with a licensed specialist on every account.

Prefer to talk? Call (650) 263-6399

Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.