Commercial Auto Insurance in Lafayette, Louisiana

• Liability for bodily injury and property damage

• Physical damage coverage for your vehicle

• Uninsured and underinsured motorist coverage

• Medical payments coverage

• Hired and non-owned auto coverage 

Commercial auto policies can also include coverage for attached equipment, dump bodies, tool racks, and permanently installed modifications. We review how your vehicles are actually used to avoid gaps between personal and commercial exposure. 

 Roofers, general contractors, concrete crews, painters, drywall installers, carpenters, flooring contractors, and remodelers rely heavily on work vehicles. Many contracts require specific liability limits before work can begin. We make sure your coverage aligns with job requirements and certificate requests. 

General contractors and property owners frequently require $1,000,000 liability limits for commercial auto policies before allowing vehicles on site. Certain agreements may also require specific wording related to additional insured or primary coverage. We review your contracts before issuing certificates to reduce rejected COIs and job delays.

Many contractors pull dump trailers, enclosed trailers, or transport equipment between job sites. Coverage for trailers and attached equipment must be structured correctly under the commercial auto or inland marine policy. We review how your trailers are titled, scheduled, and insured to prevent uncovered losses. 

 Here are answers to common questions we receive about commercial auto in Lafayette, Louisiana. 

 If a vehicle is used primarily for business operations, commercial auto coverage is necessary. You are taking a risk; most personal auto companies will deny your claim if the vehicle is used for business.  

 Tools and equipment typically require separate coverage under an inland marine or tools policy.  Some commercial auto carriers also offer it as an endorsement to their policy.

 Many contracts require at least $1,000,000 in liability limits, but requirements vary by project. 

If employees use personal vehicles for business tasks for your company, hired and non-owned auto coverage is highly recommended to protect yourself from liability. 

Coverage depends on whether the trailer is titled, scheduled, or insured separately. We review trailer exposure carefully to avoid uninsured gaps.