Commercial Auto Insurance for Commercial Roofing Contractors
Commercial auto insurance covers your fleet of trucks, trailers, and any vehicles used for business purposes. Roofing contractors depend on heavy-duty trucks to haul materials, equipment trailers, and crew transport vans — all of which face above-average road exposure. Personal auto policies exclude business use, leaving you uncovered when it matters most.
What It Covers
Commercial auto covers liability for accidents your drivers cause, physical damage to your own vehicles, medical payments for occupants, and uninsured/underinsured motorist protection. It applies to owned vehicles, leased trucks, and can extend to hired and non-owned autos like rental trucks or employee vehicles used for errands. If your boom truck rear-ends a car while pulling out of a supply yard, the policy covers the other driver's injuries and vehicle repairs plus your own truck damage.
What It Does Not Cover
Commercial auto does not cover cargo or tools inside the vehicle — that requires inland marine coverage. It excludes wear and tear, mechanical breakdown, and damage from intentional misuse. Vehicles used for personal purposes outside of business hours may have limited coverage. Trailers above certain values may need to be separately scheduled.
Real Claim Examples
A flatbed hauling 40 rolls of TPO membrane jackknifes on a rain-slicked highway, striking two vehicles and causing $95,000 in property damage and injury claims. An employee backs a box truck into a gas pump at a fueling station, resulting in $22,000 in repairs. A parked equipment trailer is stolen overnight from a job site, costing $35,000 to replace.
How Much It Costs
Expect to pay $2,500 to $5,000 per vehicle annually for a commercial roofing fleet. Heavy trucks, boom trucks, and vehicles with CDL drivers cost more. Contractors with 5-10 vehicles typically spend $15,000 to $40,000 per year. Clean MVRs and driver safety training can reduce premiums significantly.
Why Work With Us for This Coverage
Roofing fleets are harder to insure than standard contractor vehicles because of heavy loads, trailer exposure, and the high cost of specialty equipment on board. We place fleets with carriers that understand the roofing industry and offer competitive rates without sacrificing coverage breadth.
Talk to a roofing insurance expert.
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