Commercial Auto Insurance
Coverage for the trucks, vans, and pickups that do the work: contractors, trades, and service businesses across the metro.
If a vehicle earns its keep, a personal auto policy is usually the wrong tool. Todd writes commercial auto for the businesses that keep the northwest metro running: contractors hauling equipment to job sites, service vans making calls from Eden Prairie to Elk River, and owners whose pickup is also the company truck. Commercial auto addresses the exposures personal policies exclude, including business-use liability, higher limits that contracts often require, and coverage for employees driving your vehicles. Todd shops multiple carriers that understand trade and contractor risks, and he keeps the certificates and renewals straight so you can stay on the job.
What Todd looks at
- Liability limits that meet contract requirements
- Coverage for employee drivers
- Hired and non-owned auto options
- Work trucks, vans, and trailers on one policy
Not sure what you are carrying today? Send Todd your current declarations page and he will read it back to you in plain language.
Call (612) 500-5215Where Todd writes commercial auto insurance
Todd writes commercial auto insurance across the northwest Twin Cities metro.
Questions Todd gets asked.
My pickup is both personal and work. Which policy does it belong on?
It depends on how the truck is used, titled, and equipped. Hauling tools to your own job sites, carrying a company name on the door, or letting employees drive it all push toward commercial auto. Todd asks a short list of questions and gives you a straight answer, because a denied claim is far more expensive than the right policy.
Do my employees need to be listed to drive company vehicles?
Carriers vary. Some rate every regular driver, while others rate the vehicles and review driving records. Either way, telling your agent who drives is the safe path. Todd helps you set up a simple driver list and keeps it current at renewal.
Does commercial auto cover the tools and materials in the truck?
Generally no. The auto policy covers the vehicle and liability, while tools and materials are covered by inland marine or contractors equipment coverage. Todd looks at both together so there is no gap between the truck and what it carries.
Other coverage Todd writes.
Homeowners Insurance
Homeowners coverage built for Minnesota weather: hail, straight-line wind, winter storms, ice dams, and frozen pipes.
Learn morePersonal Auto Insurance
Auto coverage for real Minnesota driving: deer on the county roads, ice on the freeway, and hail in the driveway.
Learn moreBusiness Owners Policy (BOP)
Property, liability, and business income bundled into one policy sized for Minnesota small businesses.
Learn more