Your Trucks are the Legs of Your Business
From the "Pack of One" contractor with a single pickup to growing fleets of delivery vans and trade vehicles, we provide the robust coverage Washington businesses need to keep moving. We don't just insure vehicles; we protect your ability to get to the job site.
📞 Call The Pack: 425) 689-5855 | Get a Commercial Quote
Is Your Business Vulnerable to "Lone Wolf" Liability?
Many contractors don't realize that if an employee uses their personal truck to pick up supplies or run to a job site and causes an accident, your business can be held liable. We specialize in Hired & Non-Owned Auto (HNOA) coverage—an essential shield that protects your company assets when your crew is on the road.
We Know the 99 Corridor: Specialized Coverage for WA Trades
Driving commercial vehicles in Lynnwood means navigating the heavy traffic of Highway 99, the I-5/405 interchange, and the Alderwood Mall area. We don't just sell policies; we help you manage driver safety on our densest corridors across all 39 counties.
🏗️ Contractor Fleets: Optimized for HVAC, Plumbing, Electrical, and Landscaping vans.
🛠️ Heavy Pickups & Trailers: Coverage for the tools and gear you tow every day.
📦 Cargo Insurance: Protecting materials in transit from theft or damage.
🗺️ Statewide Reach: Licensed to protect your fleet from the Sound to the Palouse.
Built for the Grind: What’s Under the Hood of Your Policy?
Commercial auto insurance protects the vehicles your business owns, leases, or uses for work. Unlike personal auto insurance, it’s built for the unique risks of business driving—think higher mileage, bigger loads, or employees getting behind the wheel.
Coverage typically includes:
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Liability – if your driver causes an accident.
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Physical Damage – repairs or replacement for your vehicle.
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Medical Payments – helping with injuries from an accident.
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Hired & Non-Owned Auto (HNOA) – coverage for vehicles you rent, borrow, or your employees use for work.
🐺 Translation for the pack: Whether it’s your work truck or Joe from accounting’s Corolla making a bank run, we’ve got it covered.
🐾 FAQs – Quick Answers for Fast Thinkers
1. Is my personal auto policy enough for my work truck? Generally, no. Personal policies almost always have a "Business Use Exclusion." If you are involved in an accident while on the clock—even just running to the bank or a job site—your insurer can refuse to pay for repairs or medical bills. Commercial auto insurance is built for the higher risks and heavier loads associated with professional work.
2. What are the Washington State requirements for commercial vehicles? While the state minimum for any automobile is $25k/$50k/$10k, most Lynnwood commercial contracts and high-value clients will require you to carry a **$1,000,000 Combined Single Limit (CSL)**. We help you balance what is legally required with what is professionally necessary to land the biggest jobs in Washington.
3. Does my policy cover employees driving their own cars? A standard commercial auto policy only covers vehicles owned by the business. If your employees use their personal cars for work errands (like picking up supplies at Home Depot), you need Hired & Non-Owned Auto (HNOA) coverage. This protects your business if they cause an accident while working for you.
4. Does Commercial Auto cover the tools inside my truck? Standard auto insurance covers the vehicle itself. To protect your saws, generators, and diagnostic gear, you need an Inland Marine (Tool & Equipment) rider. We specialize in bundling this into your "Pack" so that both the truck and the tools inside are fully protected.