Do You Need Commercial Auto Insurance? What AEC Firms Should Know
July 25, 2025
How to Request a Certificate of Insurance: A Guide for Architects, Engineers & Contractors
Do You Need Commercial Auto Insurance? What AEC Firms Should Know
If your business owns, leases, or uses vehicles as part of day-to-day operations, you likely need commercial auto insurance—even if you're a small firm or sole proprietor. From transporting equipment to visiting job sites, AEC professionals often rely on vehicles in ways that go beyond personal use.
At ISCOFA, we help engineers, architects, surveyors, and contractors secure the right vehicle coverage to meet contract requirements, protect their teams, and keep business moving.
What Is Commercial Auto Insurance?
Commercial auto insurance covers vehicles used for business purposes. This can include cars, trucks, or vans owned or leased by your company—or even personal vehicles used for work tasks.
Typical policies include:
- - Liability coverage for property damage or bodily injury
- - Physical damage protection (collision & comprehensive)
- - Medical payments for driver and passengers
- - Uninsured/underinsured motorist coverage
- - Hired and non-owned auto liability (for borrowed/rented vehicles)
Why Personal Auto Insurance Isn’t Enough
If you’re using a personal vehicle to transport materials, visit clients, or move between job sites, your personal policy may not cover you if there’s an accident. That gap could leave your business exposed to costly claims or litigation.
Even if your business doesn’t own any vehicles, you may still need hired and non-owned auto coverage to protect your liability when employees drive their own cars for work.
Who Needs This Coverage?
Commercial auto insurance is essential for:
- - Engineers and surveyors transporting tools or tech equipment
- - Contractors with work vans, trailers, or trucks
- - Architects driving to project sites or client offices
- - Firms that lease vehicles for business use
If it’s part of how you work, it should be part of your protection plan.
Our Approach
We don’t offer cookie-cutter policies. Our team:
- - Evaluates your actual vehicle usage
- - Helps you meet state and project-based insurance requirements
- - Works with multiple carriers to find the best fit
- - Bundles auto coverage with other essential protections like general liability or professional liability
Whether you have one vehicle or a small fleet, we’ll build a policy that reflects your business’s scale and risk.
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