Commercial auto for the trucks that do the work
Plow trucks in January, landscaping trailers in May, delivery vans all year. Personal auto policies exclude business use; this does not.
Sample premiums from $142 a month per vehicle. Sample figures for illustration.
How we approach commercial auto coverage
If a vehicle is titled to your business, used to haul tools or goods, or driven by employees, it likely needs a commercial auto policy. Personal auto policies often deny claims that arise from business use, and a serious accident in a company truck can put the whole business at risk.
We build a vehicle schedule, set liability limits that satisfy your contracts, and add hired and non-owned auto coverage for employees who run errands in their own cars. For contractors, we pay attention to snowplow exclusions and trailer coverage, two common gaps in Maine.
How a quote comes together
Most commercial auto quotes take one conversation and a day or two of comparison.
Vehicle schedule
VINs, values, garaging addresses and how each vehicle is used.
Driver list
Motor vehicle records for everyone who drives for the business.
Limits and filings
We match liability limits to your contracts and any required filings.
Carrier comparison
Several commercial markets quote the fleet together.
What moves the price
These factors carry the most weight with the carriers we represent. We explain each one on your quote.
Vehicle weight and type
Heavier trucks and dump bodies carry higher rates than vans.
Radius of operation
Local operations price better than long-haul routes.
Driver records
Each driver's history affects the fleet premium.
Plowing
Commercial snowplowing requires a specific endorsement and pricing.
Deductibles and limits
Higher liability limits add cost but are often required by contracts.
Why neighbors choose an independent agent
- Contractor savvy
- We catch the plow and trailer gaps that surprise Maine contractors.
- Driver screening help
- We review MVRs before you hire, not after an accident.
- Fleet changes by email
- Add or remove a vehicle with a VIN and a quick note.
- Bundled business program
- Pair with your BOP and workers' comp for simpler billing.
Often paired with commercial auto
All coverage
Business owners (BOP)
Property, general liability and business income in one package for shops, offices and restaurants.
Sample premiums from $64 a month
Workers' compensation
Maine-compliant coverage for employee injuries, from a two-person crew to a year-round staff of fifty.
Pricing depends on payroll and class codes
Auto
From Maine's minimum limits to full coverage, with help that goes past the phone number on your ID card.
Sample premiums from $78 a month
Commercial auto questions
Occasional business errands may be fine, but regular hauling, client visits with tools, or a vehicle titled to the business generally requires commercial coverage.
Only if your policy includes a snowplow endorsement. Plowing for pay without it is a common and costly gap.
Liability coverage when employees use their own cars or you rent a vehicle for business purposes.
Compare commercial auto quotes in one call
Tell us what you need to protect. A licensed agent on Fore Street shops it, explains it, and sends a clear side-by-side, usually within one business day.
No obligation. Licensed agents. Coverage subject to policy terms.