Commercial Auto Insurance for framing contractors

Hired auto covers rental vehicles; non-owned auto covers employees driving their own personal vehicles for your business. If any crew member runs materials in their own truck, you want non-owned coverage — it protects your business when their personal policy falls short.

Liability for an at-fault crash is covered, but the cargo (lumber, tools) generally is not. Lumber in transit is an installation floater / inland marine matter, and tools are a tools & equipment matter. We coordinate all three.

Yes. Trailers need their own physical damage coverage and the truck towing them needs adequate liability. We schedule trailers and make sure the combined rig is properly insured.

Premium is based on the vehicles (type, value, use), drivers (records and experience), and radius of operation. Clean driving records and accurate vehicle scheduling keep the cost down.

Commercial auto covers at-fault liability and physical damage for company vehicles. We respond fast, coordinate the claim, and get the truck repaired or replaced so the crew keeps moving.

Both. Whether you run a single work truck or a fleet of haulers and trailers, we structure a commercial auto program that covers every vehicle and driver.

Many policies include some loading/unloading liability, but the cargo itself is an inland marine matter. We make sure the liability gap is closed and pair the auto policy with a tools and materials floater.

Most framers pay $1,500–$4,500 a year for $1M/$2M general liability, with workers' comp rated on payroll at class 5403 and tools floaters based on scheduled gear. We quote the full program in about 15 minutes and show every market's price.

Yes. Contractors Choice Agency is licensed in all 50 states and writes framing crews from the Sun Belt and Texas to the Pacific Northwest, Rocky Mountain West, and Northeast.

About 15 minutes for a standard program. Once bound, we turn around additional-insured certificates, waivers of subrogation, and primary/non-contributory endorsements usually within minutes.

Wood framing and rough carpentry is typically coded under NCCI class 5403 (Carpentry). Correct classification keeps you from overpaying or facing an audit surprise — and ensures claims aren't denied for misclassification.

We place general liability that specifically covers two- and three-story framing, truss setting, and roof work. Many budget contractor policies exclude work above one or two stories — we make sure yours does not.

Tools are covered under a tools & equipment (inland marine) policy, not GL or property. We schedule nail guns, saws, generators, and compressors at replacement cost so jobsite and truck theft is covered.

Most residential framers carry $1M/$2M GL with a $2M–$5M umbrella. Commercial and multifamily GCs often require $2M–$5M limits plus additional-insured status. We size limits to your actual contract requirements.

Yes — personal auto excludes business use and will deny claims when you haul lumber or tools. Commercial auto covers your trucks, trailers, and lumber haulers, including hired/non-owned vehicles.

Often, yes. We have excess-and-surplus (E&S) markets for contractors with loss runs, cancellations, or tough exposures that standard markets decline.

Your GL doesn't cover independent subs — they should carry their own and name you additional insured. We set up certificate tracking and additional-insured requirements so subcontracted work doesn't become your liability.

You reach a person with context, not a queue. We respond within 2 hours, help you document the loss, and manage the claim with the carrier so it's paid correctly and your operation keeps moving.

Framing has fall, nail-gun, saw, and theft exposures that generic carriers exclude or misprice. A specialty broker knows the class codes, the height exclusions to avoid, the markets that write framers, and how to manage a framing claim.