Commercial Auto Insurance
Commercial auto covers the vehicles your fencing business owns, leases, or uses — pickup trucks, flatbeds, and material trailers — for liability, physical damage, and the cargo and people they carry on the road.
Commercial Auto for Fencing Contractors
If your company owns or operates trucks and trailers to haul posts, panels, concrete, and equipment between your yard and job sites, you need commercial auto insurance. Personal auto policies exclude business use, and a single at-fault accident with a loaded material trailer can generate a serious liability claim.
What's Covered
- Auto liability: Bodily injury and property damage you cause in a covered vehicle
- Physical damage: Collision and comprehensive on your trucks and trailers
- Hired & non-owned auto: Liability when employees drive rented or personal vehicles for work
- Medical payments / PIP: Injury costs for drivers and passengers
- Uninsured/underinsured motorist: Protection when the other driver isn't covered
Fencing-Specific Needs
- Material-hauling exposure: Trucks loaded with posts, panels, rail, and bagged concrete
- Trailer coverage: Utility trailers and flatbeds hauling augers and post drivers
- Multi-site routing: Vehicles moving between the yard, supplier, and several active jobs in a day
- Driver management: Motor vehicle record (MVR) checks and a fleet safety program lower rates
Pairing With General Liability & Umbrella
Commercial auto handles the road; general liability handles your job sites and operations. Because auto claims involving loaded trailers can be severe, fencing contractors frequently extend their auto liability limits with a commercial umbrella so a major accident doesn't exceed primary coverage.
What's Covered
Frequently Asked Questions
Can I insure my fencing company truck on a personal auto policy?
No. Personal auto policies exclude business and commercial use. Trucks and trailers your company owns or uses to haul materials and equipment between job sites must be covered by a commercial auto policy — and employees driving their own vehicles for work should be covered by hired-and-non-owned auto.
Does commercial auto cover my material trailer?
Yes, when scheduled on the policy — utility trailers and flatbeds used to haul fence panels, posts, and equipment can be added for physical damage and liability coverage alongside the towing vehicle.