Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
The line between a personal pickup and a work truck matters more than most owners realize. Once a vehicle hauls tools to job sites, tows an equipment trailer, or carries your company name, a personal auto policy may not respond the way you expect when something goes wrong. Todd writes commercial auto for the contractors, trades, and service businesses that keep the northwest metro running: single work trucks, small fleets, cargo vans, and the trailers behind them. Coverage gets matched to how the vehicle is actually used, with liability limits that reflect what a work-zone accident can really cost a small business.
What's Included
- Work trucks, vans, and small fleets
- Trailer and towed equipment coverage
- Hired and non-owned auto options
- Certificates of insurance handled promptly
Commercial Auto Insurance Service Areas
Todd writes commercial auto insurance across the northwest Twin Cities metro.
Frequently Asked Questions
My truck is titled to me personally but I use it for my business. Which policy do I need?
Usage, not the title, drives the answer. If the truck regularly serves the business, hauling tools, visiting job sites, or carrying signage, a commercial auto policy is usually the right structure. Todd sorts out titled-versus-used questions in one conversation.
Does commercial auto cover my tools inside the truck?
Generally no. The vehicle policy covers the vehicle; tools and equipment typically need an inland marine or contractors equipment coverage, which Todd can pair with the auto policy so nothing falls between the two.
Can employees drive vehicles on my commercial policy?
Yes, when the policy is set up for it. Listed drivers, hired auto, and non-owned auto coverage each handle different situations. Todd matches the structure to how your crew actually operates.
Other Services
Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
Learn more →Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Learn more →Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
Learn more →