Commercial Auto Insurance in Vermont

Why Business Vehicles Need Their Own Policy

Coverage for the work you do on the road

Personal auto policies usually exclude business use. If your pickup carries tools, your van delivers goods, or your SUV is titled to the LLC, you need commercial auto insurance. Hull Insurance Agency insures sales cars, contractor pickups, delivery vans, dump trucks, and small fleets across Northern Vermont. We keep your business moving from St. Albans to Newport.

Coverages That Matter

Liability, physical damage, and more

Commercial auto liability covers injuries and property damage you cause while driving for work. Collision and comprehensive can repair or replace your vehicle after covered losses. Add hired and non-owned auto if employees drive personal cars for errands or if you rent vehicles. Ask about coverage for permanently attached equipment like ladder racks or dump bodies.

Who Needs Commercial Auto

A quick checklist for Vermont owners

Vehicles owned or leased by a business need a commercial policy. Regular work use, signage on the doors, or hauling tools and materials point to business use. Employees who share vehicles or drive their own cars for deliveries add extra exposure. Hull Insurance Agency will assess your situation and set the right form and limits.

Fit Commercial Auto Into A Bigger Plan

Coordinate vehicles with overall business coverage

We can pair your business auto with general liability, property, and an umbrella for higher limits. One agency for personal and commercial lines simplifies life for owners who drive company and family vehicles. Our markets include carriers known for strong claims service and fair pricing. Let us compare quotes and outline smart savings.

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Questions Vermont Owners Ask

FAQs for business vehicles

  • Can I rely on personal auto for work

    Most personal policies exclude business activities beyond limited commuting. Claims can be denied if you are hauling tools, making deliveries, or transporting clients. A commercial policy closes that gap. We will help you set it up correctly.

  • Is commercial auto more expensive

    It can cost more than a personal policy because business risks are higher. Price depends on driver records, vehicle types, mileage, and use. Fleet safety practices and higher deductibles can improve pricing. We will shop multiple carriers to find value.

  • What about employees using their cars

    Add hired and non-owned auto liability to address that exposure. It covers your business if an employee causes an accident while doing company errands. You can also require proof of personal insurance from drivers. We can provide a checklist for your handbook.

  • Do you insure trailers and equipment

    Yes, utility and equipment trailers can be listed on a commercial auto policy. Mobile equipment and tools are better placed on inland marine coverage. We will make sure each item sits on the right form. That helps avoid surprises at claim time.

  • Can I add an umbrella

    Yes, a commercial umbrella adds extra liability above auto and GL. Many contracts require higher limits for roadside work or municipal projects. We will quote options at one, two, or five million. You choose what fits your risk and budget.

Keep Your Business On The Road

Local help across Northern Vermont

From contractor trucks in Enosburg Falls to service vans in St. Albans, we understand daily demands. Hull Insurance Agency is ready with fast certificates and responsive claims support. Reach out for a commercial auto quote today.