Where can I buy a commercial policy for my pickup?

I am not familiar with commercial auto policies and need to find one for my truck. I have a new-to-me 2015 Ford F-450. My auto insurance company said it was too big for a standard policy and needed commercial insurance. I have my own handyman business, and I just haul tools and a few supplies back and forth. I am not sure where to start.

Answer
“Commercial insurance policies are slightly different from a private passenger auto policy, but you can buy one from a familiar place: Progressive! Progressive writes commercial auto policies in all 50 states, excluding D.C.
Even though you are a one-man operation, due to the nature of your employment and size of your truck, you don’t qualify for a standard auto policy. Any vehicle with a load capacity greater than one ton is considered commercial.
Here are some of the additional benefits you will have with a commercial policy:
  • Coverage to drive clients or future employees around
  • Coverage to transport goods and equipment
  • Automatic coverage for towing a trailer that has less than 2000 pounds gross vehicle weight
If you want help shopping for the right commercial policies for your business, try using the Jerry app. Jerry compares rates from the top companies and delivers the best deals to your phone in minutes for free.”
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Shannon Martin
Answered on Aug 27, 2021
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