Your Van Isn’t Just a Van: Commercial Auto Coverage
That Protects More Than a Fender Bender

“It’s just my old pickup.” Until it’s involved in a $250,000 lawsuit.

Your work truck or van is more than a ride—it’s your office, your toolbox, your billboard on wheels, and your mobile storage unit filled with thousands in gear. So why would you protect it with the same kind of policy you’d use for your teenager’s sedan?

Let’s get real: if you’re using a vehicle for your HVAC or plumbing business, you need more than a basic personal auto policy. You need commercial auto insurance—and here’s why.

Your personal auto policy is made for commuting and weekend trips to Home Depot—not transporting pressurized tanks and pipe threaders across town.

Most personal policies exclude:

• Accidents that happen while you’re driving for work
• Damage to business equipment in the vehicle
• Liability if an employee crashes your truck
• Vehicles registered to a business entity

So if you get into an accident during a service call, your insurer could deny the claim faster than a technician disappearing at 4:59 PM on a Friday.

A commercial auto policy covers:

• Liability if you or your employees cause an accident
• Collision and comprehensive for your work vehicle itself
• Hired and non-owned auto if employees drive their own cars for your business
• Loading and unloading coverage for tools or equipment damaged during transport
• Medical payments and uninsured motorist protection

In short: it’s built for what you actually do.

• A tech rear-ends a customer in their driveway.
• A van is stolen overnight—with $10,000 in tools inside.
• An employee uses a personal vehicle to pick up parts, then gets in an accident.
• Refrigerant tanks explode in a hot truck (it happens more often than you think).

Each of these can result in a claim—and a big financial mess if you’re not properly covered.

Commercial auto insurance is a legitimate business expense. Protect your ride and write it off? That’s a win-win.

If you’re using your vehicle to earn a living, protect it like your business depends on it—because it does.

So no, your van isn’t “just a van.” It’s the heartbeat of your operation. Make sure it has the insurance coverage to match.

Commercial Auto Insurance   Commercial Property Insurance   General Liability Insurance   Workers Compensation   Cyber Insurance