Your F-250 hauling materials to job sites, your Ram 3500 pulling a gooseneck trailer, your Silverado loaded with landscaping equipment — these aren't personal vehicles anymore. When you use your pickup truck for business, you need commercial auto insurance that covers the way you actually work. Our agency places pickup truck policies with carriers who understand contractor, trades, and hauling operations.
Contractors, landscapers, roofers, electricians, plumbers, painters, handymen, hot shot haulers, farmers, ranchers, and any small business owner using a pickup truck for work. If you haul materials, pull trailers, or drive to job sites, you need commercial coverage on your truck.
If you use your pickup for ANY business purpose — hauling materials, pulling a work trailer, driving to job sites, transporting equipment — you need commercial auto insurance. Personal auto policies exclude business use, and a denied claim could be catastrophic.
Most commercial pickup policies cost $1,500–$4,000/year, depending on truck size, business type, and driver record. Heavy-duty trucks (F-350, Ram 3500) pulling trailers on long routes cost more than a half-ton truck on local routes.
Some carriers offer combined personal/commercial use endorsements. Others require separate policies. We'll help you find the most cost-effective structure — whether that's a single policy with dual-use endorsement or separate personal and commercial policies.
The truck policy may provide limited trailer coverage, but for full protection you should schedule your trailers on the policy or get a separate inland marine policy. This is especially important for expensive enclosed trailers, flatbeds, and goosenecks.
Get a free quote or call (321) 206-8035.