Commercial Auto Insurance
Protect Your Business on the Road
As an electrical, HVAC, or plumbing contractor, your trucks and vans are more than vehicles — they are the lifeline of your business. Every job site you reach, every tool you transport, and every employee who drives represents risk. That’s why having the right Commercial Auto Insurance is critical.
At InsuranceIsland, we specialize in protecting contractors with tailored auto coverage designed to keep your operations moving — without gaps or unnecessary costs.
Why Contractors Need Commercial Auto Insurance
Contractors face unique risks that personal auto policies don’t cover. Whether you own a single service van or a fleet of trucks, you’re exposed to:
- Accidents and liability claims from job site travel
- Theft or vandalism of vehicles, tools, and equipment
- Employee drivers and subcontractor use of vehicles
- Damage from weather, fire, or unforeseen hazards
Our policies are designed to cover vehicles, drivers, equipment, and the cargo you carry, ensuring your business stays protected.
Coverage Highlights
InsuranceIsland partners with 20+ top carriers to give contractors access to competitive rates and comprehensive coverage, including:
- Liability Coverage – Protects against bodily injury or property damage caused by your vehicles.
- Physical Damage Coverage – Collision and comprehensive protection for trucks, vans, and equipment.
- Hired & Non-Owned Auto – Coverage for vehicles rented or used by employees on the job.
- Medical Payments – Helps cover medical costs for drivers and passengers.
- Uninsured/Underinsured Motorist – Protects you if involved in an accident with a driver lacking sufficient insurance.
- Tools & Equipment Coverage – Optional add-on to safeguard gear stored in vehicles.
Why Choose InsuranceIsland?
- AI-powered InsRiskâ„¢ review uncovers hidden gaps in your policy.
- Tailored packages for electrical, HVAC, plumbing, and other trades.
- Fast quotes from 20+ carriers.
- 1,000+ businesses trust us with their coverage.
- Local expertise across VA, MD, DC, PA, GA, TN, and CA.
- Get Your Free Contractor Auto Insurance Quote
Don’t wait until an accident puts your business at risk. Protect your vehicles, tools, and livelihood with smarter coverage.
📲 Call us at (240) 335-2426 or email sales@insuranceisland.com to get started today.
👉 InsuranceIsland — Smarter Coverage. Stronger Businesses.
(Electrical, HVAC, Plumbing, General Contractors)
Workers’ Compensation Insurance for Contractors
(Electrical, HVAC, Plumbing, General Contractors)
Protect Your Crew. Protect Your Business.
Your employees are the backbone of your contracting business. Whether they’re climbing ladders, handling power tools, or installing HVAC units, workplace risks are part of the job. That’s why Workers’ Compensation Insurance isn’t just required—it’s essential to protect both your team and your company.
At InsuranceIsland, we specialize in Workers’ Comp policies tailored to the unique needs of contractors.
Why Workers’ Comp is Critical for Contractors
- Covers medical expenses and lost wages if employees are injured on the job.
- Protects your business from costly lawsuits related to workplace injuries.
- Keeps you compliant with state regulations.
- Builds trust with employees, showing that their well-being matters.
Get Your Free Quote Today!
Complete the form below, and one of our agents will compare quotes from our network of 25 carriers to get you the best possible rate.
Tow Insurance
Customized Tow Packages for Your Business
Protecting your tow truck business requires specialized insurance coverage designed to handle the unique risks of the towing industry. Whether you’re rescuing stranded vehicles, providing roadside repairs, or transporting vehicles between locations, our 24/7 service ensures that your operations are always covered.
With over 40 years of commercial insurance experience, our carriers offer customized tow insurance packages that include:
Liability Coverage – Protects against damages you may cause to others while towing.
On-Hook Towing Coverage – Covers damage to vehicles while being towed.
Garagekeepers Liability – Protects customers’ vehicles stored at your business location.
Physical Damage Coverage – Covers damage to your tow trucks from accidents, theft, or weather.
Medical Payments – Helps cover medical expenses in case of an accident.
Workers’ Compensation – Protects your employees in case of work-related injuries.
Our tailored policies ensure that whether you’re a single owner-operator or managing a fleet, you have the right level of protection to keep your business running smoothly. We understand that tow truck operators face unique challenges, including liability risks and vehicle damage, and our policies are designed to provide financial security so you can focus on running your business.
Heavy Truck Insurance
Comprehensive Coverage for Heavy-Duty Vehicles
We provide a full suite of insurance coverages for nearly every type of trucking operation, including specialized policies for heavy-duty trucks such as:
✅ Unlimited towing
✅ Financed lease value coverage
✅ Pet coverage
✅ Single deductible at no extra cost
Whether you operate long-haul trucking, construction trucks, or specialized vehicles, our policies protect against:
Collision and Comprehensive Damage – Covers repairs or replacement if your truck is damaged in an accident, fire, theft, or vandalism.
Motor Truck Cargo Insurance – Protects the freight you’re hauling in case of damage or theft.
General Liability – Covers property damage and bodily injury claims caused by your trucks.
Trailer Interchange Coverage – Covers physical damage to non-owned trailers being used under a trailer interchange agreement.
🚛 Get a Quote in 15 Minutes! 🚛 We offer some of the best rates for preferred drivers and competitive pricing for all trucking businesses.
Flexible payment options
Multiple discounts available
Dedicated Commercial Customer Care Team
In-house claims handling for quick resolutions
Our trucking operators save an average of $1,420 per year!
Transportation Truck Insurance
Specialized Insurance for Freight Haulers
For owner-operators and small fleet managers, we specialize in complex transportation risks that many agents do not have access to. Our policies provide coverage for:
✔ General freight haulers
✔ Expedited delivery drivers
✔ Agricultural transporters
✔ Household movers
✔ Tractor-trailer operators
✔ Flatbed and refrigerated truckers
If you own and operate your own truck or lease onto a motor carrier, we offer Non-Trucking Liability and Physical Damage Coverage, ensuring that you’re covered even when operating under contract.
Coverage Options Include:
Primary Auto Liability – Meets federal and state trucking requirements.
Bobtail Insurance – Covers liability when driving your truck without a trailer attached.
Occupational Accident Coverage – Offers additional protection for independent truckers.
Motor Carrier Filings – We handle both state and federal filings to ensure compliance.
Unlimited Radius Coverage – No restrictions on distance traveled.
Why Choose Us?
🚚 New ventures and experienced truckers welcome
🚚 Competitive rates for high-risk and preferred drivers
🚚 Dedicated customer service to assist with claims and compliance
Get Your Free Quote Today!
Complete the form below or contact us directly, and one of our agents will compare quotes from our network of 25+ carriers to get you the best possible rate.
📞 Call: 703-957-9541
📱 Text: 1-833-259-5066
📧 Email: sales@insuranceisland.com
At InsuranceIsland, we are committed to providing reliable, affordable, and comprehensive commercial auto insurance solutions tailored to your business needs. Whether you’re looking for coverage for a single truck or an entire fleet, we have flexible policy options designed to protect your livelihood. Let us help you safeguard your business with our industry-leading expertise and top-rated insurance solutions.
