Specialty Brokerage · Commercial Auto

Commercial Auto Insurance for Contractors at $1M+

Your trucks, trailers, and work vehicles move your business every day, and one serious accident can put real money and your contracts at risk. For established contractors, UCI arranges commercial auto coverage that meets the limits in your contracts and sits correctly under your umbrella, so a loss on the road is less likely to reach the business itself.

WRITTEN PREMIUMS

$ 0 M+

LICENSED STATES

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TRUSTED PILOT

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CPCU · CRIS

Credentialed Advisors

What We Do

Commercial Auto Coverage Sized to Your Fleet and Your Contracts

We help established contractors set commercial auto coverage that fits how many vehicles you run, who drives them, and the limits your contracts call for. Before coverage is set, a UCI advisor reviews where your current limits fall short and where everyday risks, like an employee using a personal truck for work, are not fully covered.

The aim is coverage that meets your contract requirements and connects cleanly to your other policies, so a serious accident is less likely to stall a job or reach the business.

Our Approach

A Better Process for Designing Your Commercial Auto Coverage

Our four-step process sets your commercial auto coverage against the vehicles you run, the people who drive for you, and the limits your contracts require.

The result is more than a policy quote. It is a coverage plan shaped by how your business actually operates on the road.

Discovery

See where your current coverage falls short

A UCI advisor reviews your current auto policy, your loss history, your list of vehicles and drivers, and the limits written into your active contracts. This brings forward the everyday risks that often go unaddressed, like rented trucks, employees driving their own vehicles for work, or limits that no longer match the jobs you take on.

Design

Set limits and coverage to match how you operate

We use what we learn to set your auto liability limits, physical damage coverage that pays to repair or replace your own trucks and trailers, and protection for rented and employee-owned vehicles used for work (often called hired and non-owned). Where it helps, we line up your auto coverage with your general liability and umbrella so the policies work as one plan.

Placement

Find coverage that fits the way you operate

Once the plan is set, UCI brings your commercial auto program to carriers experienced with contractor fleets and contract requirements. We look at limits, terms, and how each carrier handles claims, so the coverage holds up when a contract is reviewed or an accident is reported.

Stewardship

Keep your coverage current as your fleet changes

UCI stays involved after coverage is set, helping with certificate requests, contract questions, adding or removing vehicles, and claims as they come up. As your fleet and your contracts change, the program is reviewed so it keeps pace with the work in front of you.

Coverage Depth

Commercial Auto Coverage for Contractors Running Larger Fleets

Commercial auto coverage protects the vehicles your business depends on and the people who drive them. UCI sets up the program so your limits, your physical damage coverage, and your other policies work together when an accident happens on the job.

Set Auto Limits That Meet Your Contract Requirements

General contractors and project owners often require a set auto liability limit before they let your crews on site. UCI reviews the limits written into your contracts and sizes your auto coverage to meet them, so you are less likely to find a shortfall after the work is awarded.

Cover Rented and Employee-Owned Vehicles Used for Work

When your team rents a truck or an employee runs an errand in a personal vehicle for the job, an accident can still come back to your business. This is often called hired and non-owned auto. UCI reviews this everyday risk so the coverage reflects how your people actually get to and around the work.

Protect Your Own Trucks, Trailers, and Equipment Haulers

Repairing or replacing a damaged vehicle takes it out of service and slows the job. UCI reviews physical damage coverage, which pays toward repairing or replacing your own vehicles, in light of what you run and what it would cost to keep your fleet moving.

Coordinate Auto Coverage Across State Lines

Contractors working in more than one state often face different vehicle and insurance requirements. UCI sets up your auto program with those differences in mind, giving you a more consistent way to manage coverage as your crews cross state lines.

Line Up Auto as an Underlying Policy for Your Umbrella

Your umbrella raises your limits above your auto policy, but only when the auto policy carries the limit the umbrella expects. For contractors, auto is one of the most common sources of a large claim. UCI confirms your auto coverage and your umbrella line up, so a serious accident does not fall into the space between them.

The Team

Meet Your Commercial Auto Insurance Advisors

When you call UCI, you reach a senior advisor by name, not a routing queue. These are the people who will handle your engagement.

Ryan Munoz

CRIS · MBA · Licensed P&C Agent

Senior advisor on large, complex contractor accounts with detailed insurance requirements built into their contracts. Manages a book exceeding $6M in premium.

Joe Grebenstein

CRIS · B.L.A.S., Arizona State

Commercial insurance specialist focused on construction and contractor risk. Works extensively with large, complex contractor accounts across multi-state operations.

Joe Hennessey

Licensed P&C Broker · Construction Specialist

Years of experience working with hard-to-place construction trades and niche contractor operations on high-stakes commercial projects.

Shawn Jason

Property and Casualty Licensed · CRIS Certified

Extensive experience supporting contractors with customized insurance programs, risk strategies, and coverage solutions for complex construction operations.

Client Voice

Why Contractors Choose UCI for Commercial Auto Coverage

“Miami Roofing Solutions has had an excellent experience working with Affordable Contractors Inc. for our General Liability coverage. Their team provides outstanding service, quick response times, and competitive pricing tailored to contractors in the construction industry. They are professional, knowledgeable, reliable, and make the insurance process smooth and efficient. We highly recommend Affordable Contractors Inc. to any contractor or business looking for a dependable insurance agent who understands the industry and delivers great value.”

“Dennis V was absolutely the greatest. He listened to our needs and got us the coverage we needed in a timely fashion. He was super knowledgeable, professional, and extremely nice as well as accommodating. I would highly recommend him to anyone in need of commercial business insurance.”

“Quick response and follow up call to discuss my needs. The estimate came fast and included options to limit my exposure beyond a standard policy. I shopped around but came back to ACI because of their knowledge, guidance and my general ease of understanding what I was getting. Joelle was great to work with. My new liability policy will grow with my business and keep me protected!”

“This was my first time searching for this type of insurance, and Joe made the process simple and informative. He understood what I needed, clearly explained the different coverage options, and gave me the information I needed to make a confident decision. He was patient with my limited internet experience and walked me through each step until everything was complete. After 30 years in construction, this was by far one of the most helpful and easy-to-understand insurance conversations I've had. I will definitely recommend Affordable Contractors Insurance to other contractors.”

“They made it easy to get the specialty coverages I needed. So many others struggled to get me what was required and they knew what was needed and how to handle it. Amazing group and they got me up and running fast for way less than I was quoted elsewhere.”

*UCI is a division of Affordable Contractors Insurance (ACI)

Start the Conversation

Request a Commercial Auto Risk Review

A risk review is a discovery call with a senior insurance advisor to talk through your business, your vehicles, and your coverage requirements. After the call, we provide an in-depth review of your coverage you can use to make informed decisions about your commercial auto program.

Who We Serve

Commercial Auto Programs for Specific Contractor Types

UCI works with commercial contractors whose vehicles and drivers support multi-state operations, contract-heavy work, and larger projects. The contractor types most often engaged with UCI include:

Commercial General Contractors

Managing crews and vehicles across multi-family, commercial, and tenant improvement work at scale.

Design-Build and EPC Firms

Single-source delivery where one team moves people and equipment across the full project.

Large Builders and Developers

Multi-phase work that keeps fleets and crews moving between active sites.

Mechanical and Electrical Contractors

Service fleets and crews traveling daily between commercial job sites.

Commercial Roofing Contractors

Trucks, trailers, and equipment haulers running between high-volume commercial projects.

Restoration and Environmental

Response fleets that mobilize quickly across disaster and remediation work.

Heavy Civil and Infrastructure

On-road and off-road equipment and haulers supporting roadway, bridge, and large site work.

Specialty Trade Contractors

Concrete, excavation, demolition, and other trades that move heavy equipment between sites.

FAQ

Common Questions About Commercial Auto Coverage

What is the difference between a commercial auto policy and my personal auto insurance?

A personal auto policy is written for personal driving. A commercial auto policy is written for vehicles used in your business, with higher limits and coverage for the trucks, trailers, and work vehicles your operation depends on. UCI reviews how your vehicles are used so the policy matches the work.

Does commercial auto cover employees who drive their own vehicles for work?

It can. This is often called hired and non-owned auto, and it addresses claims that come from rented vehicles or employees using personal vehicles for the job. UCI reviews how your team gets to and around the work so this everyday risk is accounted for.

How do my auto limits connect to my umbrella?

Your umbrella raises your limits above your auto policy, but only when the auto policy carries the limit the umbrella expects. If the auto limit is too low, a serious accident can fall into the space the umbrella was meant to cover. UCI confirms the two line up before a claim tests them.

We operate in more than one state. Does one auto policy cover all of them?

Vehicle and insurance requirements often differ from state to state. UCI sets up your auto program with those differences in mind so you have a more consistent way to manage coverage as your crews cross state lines.

Can UCI help if our auto renewal is still several months away?

Yes, and that is often the better time to start. Larger contractor programs are easier to review before a renewal deadline forces a quick decision. Starting earlier gives UCI time to review your contract requirements, your vehicles, and any coverage issues worth addressing before the renewal.

When should a contractor request a risk review instead of just asking for a quote?

A risk review makes sense when your fleet, your contract requirements, or your multi-state work have become more complex than a standard quote process can address. For established contractors, the question is not only what the policy costs. It is whether the coverage holds up when a contract is reviewed or a serious accident is reported.

COVERAGE THAT KEEPS PACE

Commercial Auto Coverage That Keeps Up with Your Growing Fleet

As your business grows, your vehicles, drivers, and contract requirements grow with them. Auto coverage sized for last year’s operation may not meet what your largest contracts now call for. UCI helps established contractors review whether their auto limits still match the work in front of them, and how the coverage should respond when a serious accident happens on the job. A Risk Review with a UCI senior advisor is the first step.