Business Insurance for Commercial Vehicles

Your business is thriving. You might be a contractor splurging on a top-of-the-line pickup. Perhaps your flower shop achieved its goal of an all-electric fleet of delivery vans. Maybe social media raves for your fusion tacos created enough demand for a second food truck.

However you use vehicles in your business, one thing is clear: You need commercial auto insurance. And Farmers® can help with coverage options that reduce risk and improve operations.

Because Farmers agents are also small business owners, they understand the unique challenges of commercial driving in today’s increasingly distracted world.

Here are some typical commercial vehicle risks — and the coverage Farmers offers:

Useful coverage options and operational support

Accident damage might take your vehicle out of commission, but business must continue. To help minimize cost and inconvenience, Farmers offers a broad range of coverage options so you can select coverage that best fits your needs — from towing and labor to rentals and loss of use.

Other options worth considering:

  • In some states, a telematics feature that uses GPS is available to help you monitor the locations and safe driving habits of your employees.
  • Lease/loan coverage provides coverage for amounts you owe under the terms of a lease or loan agreement.

Highly specialized coverage for contractors

A contractor’s truck is usually filled with expensive tools and equipment — leaving you with the risk of damage or theft as it’s driven to job sites and parked for the day. Your Farmers agent can help as you choose personalized coverage for the tools of your trade.

Your agent can also explain options when indemnity agreements require something called primary and non-contributory coverage. With this insurance, the general contractor’s coverage won’t be responsible for covered damage caused by you — the subcontractor.

Coverage developed specifically for food trucks

Food trucks face unique risks while driving and operating, especially if they serve alcohol.

  • Mobile business interruption coverage available on the auto policy is designed to indemnify you for income lost when a vehicle used as a mobile business is out of commission due to a covered loss.
  • Farmers’ primary mobile food vendor insurance provides coverage for business property carried on your truck, equipment breakdowns, and money and securities.
  • The premier package offers generous limits in coverage for food spoilage and food-borne illness.

Farmers has an insurance solution designed to fit the needs of food truck operators — from mobile weekend warriors to full-time vendors.

Some popular business insurance options

Commercial auto coverage is just one component in a full menu of business insurance options available from Farmers. Your agent can also discuss coverage for other possible risks like:

Farmers works to build strong customer relationships

Farmers has spent almost 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a commercial auto insurance quote. Be sure to let a Farmers agent deliver personalized service and support. You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

Contact a Farmers agent today to explore what Farmers can do for you — whether you have a single business vehicle or a large fleet of trucks.

This material is for general informational purposes only. This material may not reflect your particular circumstances. None of the companies comprising the Farmers Insurance Group of Companies®, or their employees or agents provide tax or legal advice.  Always consult your own accountant, attorney or tax adviser as to the tax, financial, or legal consequences or advice on any particular transaction.  Not all products, coverages, & discounts are available in every state.  Restrictions, exclusions, limits, and conditions apply.