If You Use It for Work, It Needs Work-Grade Coverage

Your personal auto policy was built for personal use — and when a vehicle crosses into business territory, that policy often stops paying. We help NH and Maine business owners get commercial auto coverage that actually matches how their vehicles are used, whether that's one work truck or a small fleet.

When Your Personal Policy Stops Covering You

Most personal auto policies include a business-use exclusion. If a vehicle is registered in your name but used to haul equipment, visit job sites, or transport materials for your business, your insurer may deny a claim on the grounds that the vehicle was being used commercially at the time of the loss.

 

This catches a lot of small business owners off guard — particularly tradespeople and contractors who drive a personal truck to every job. The vehicle looks the same. The use is different. And that difference matters when there's an accident.

 

Commercial auto insurance closes that gap with coverage designed around how work vehicles are actually operated: higher liability limits, protection for business-use drivers, and terms that hold up when a claim involves a vehicle on the job.

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Coverage Sized for One Truck or Ten

You don't need a fleet manager or a risk department to get solid commercial auto coverage. We work with small business owners across New Hampshire and Maine who run anywhere from a single work vehicle to a handful of trucks, and we find policies that fit that scale.

 

  • Single-vehicle commercial auto for sole proprietors and owner-operators
  • Small-fleet coverage for businesses running two to ten vehicles
  • Hired and non-owned auto coverage for businesses using employee or rented vehicles
  • Commercial coverage for dump trucks, heavy trade vehicles, and specialty equipment haulers
  • Coverage for contractors, landscapers, plumbers, electricians, and other tradespeople
  • Policies that grow with your business as you add vehicles or drivers

Talk to a Local Agent Who Knows the Territory

We've been working with small business owners in New Hampshire and Maine for more than 25 years. Whether you're a one-truck contractor in Hopkinton or running a small trade operation out of Concord, we'll find commercial auto coverage that fits your business without overcomplicating it.

Frequently Asked Questions

  • Does my personal auto policy cover my work truck?

    Generally, no. Most personal auto policies include a business-use exclusion, which means if your vehicle is being used for work purposes at the time of an accident — hauling equipment, visiting job sites, transporting materials — your insurer may deny the claim. A commercial auto policy is built to cover that use.

  • Do I need commercial auto insurance if I only have one work vehicle?

    Yes. The number of vehicles doesn't determine whether you need commercial coverage — the way the vehicle is used does. Even a single truck driven to job sites or used to haul business equipment should be covered under a commercial policy, not a personal one.

  • What types of businesses typically need commercial auto insurance in NH?

    Any business that uses vehicles as part of its operations should consider commercial auto coverage. This includes contractors, tradespeople, landscapers, delivery drivers, and anyone who uses a vehicle to visit job sites, transport equipment, or carry materials for their business.