CONTRACTOR INSURANCE THAT WORKS AS HARD AS YOU DO
When you own a contracting business, your vehicles are essential tools for dispatching crews, getting materials where they need to be, and keeping jobs running smoothly. But every mile driven comes with risk, and personal auto insurance doesn’t cover the demands of business use. If an accident occurs, your company could be held financially responsible.
Luckily, you've come to the right place. At Lancer, we provide commercial auto insurance that works as hard as you do. With decades of experience serving skilled trades professionals across Connecticut, New Jersey, New York, and Pennsylvania, we know how to keep your vehicles protected and your projects moving ahead.
Whether your specialty is plumbing, cabinetry, or locksmithing, becoming a Lancer contractor insurance policyholder is a smart choice. We offer our contractor auto insurance products exclusively through independent agents and brokers, so you get local expertise and personalized advice. To get started, complete our brief online contractor insurance questionnaire, ask your broker to contact us, or reach out to our contractor insurance team for a Lancer-approved producer near you.
If you’re an independent agent or broker interested in offering Lancer’s contractor auto insurance to your clients, we’d love to hear from you. Contact our contractor insurance team about becoming a Lancer producer.
COMMERCIAL AUTO INSURANCE FOR CONTRACTORS
Contractors—from arborists to drywallers, flooring installers to swimming pool cleaners—rely on Lancer’s commercial auto insurance for peace of mind and financial security. Let us do the same for you.
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COMMERCIAL AUTO LIABILITY
Commercial auto liability insurance for contractors protects your business if you or an employee causes an accident while driving a company vehicle for work, and includes:
- Bodily injury (BI) liability – Helps pay for others’ medical and injury-related expenses
- Property damage (PD) liability – Covers damage caused to another person’s vehicle or property
Additional contractor auto insurance coverages are available, where applicable, including:
- Personal injury protection (PIP) – Helps pay for medical expenses for you and your passengers, regardless of fault
- Uninsured/underinsured motorist (UM/UIM) – Offers protection for accidents caused by other drivers with no or insufficient insurance
COMMERCIAL AUTO PHYSICAL DAMAGE
Your vehicles are crucial to getting the job done. Physical damage coverage helps protect them with:
- Collision – Pays for accidents involving other vehicles or objects
- Comprehensive – Covers non-collision events like theft, fire, vandalism, and severe weather
CONTRACTING BUSINESSES WE INSURE
If you use a vehicle for any aspect of your contracting business, commercial auto insurance is a must. We offer contractor auto insurance to a wide range of artisan, installation, and service trades, such as:
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- Carpenters
- Electricians
- Fencing companies
- General contractors
- HVAC contractors
- Janitorial services
- Landscapers
- Masons
- Painting and wall covering contractors
- Plumbers
- Roofers
- And more!
Don't see your specialty listed? Call us or request a contractor auto insurance quote online.
CONTRACTOR VEHICLES WE INSURE
Whether you need commercial van insurance, commercial pickup insurance, or contractor truck insurance, we have you covered. Our contractor auto insurance solutions safeguard the types of vehicles trade professionals depend on daily, such as:
Cargo vans
Heavy trucks
Pickups
Service trucks with toolboxes or equipment racks
Step vans
And more!
POLICYHOLDER BENEFITS
Choosing the right contractor auto insurance is about more than just AM Best A (Excellent) rated coverage—it’s about support that drives your success. At Lancer, we provide complimentary contractor insurance tools and services to help you operate safely, legally, and efficiently.
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Here's a snapshot of some of the valuable contractor insurance resources we offer:
- Easy-to-use accident and claim reporting aids
- SafetyLink Hotline which provides answers on loss prevention questions and DOT regulations
- Safety Stop, our blog with insights to reduce losses and boost compliance efforts
- 24/7 online driver training videos to keep drivers sharp and safety-focused
- Business Resource Hub to help you safeguard your vehicles and employees, maintain FMCSA compliance, and support daily operations
- Natural Disaster Preparedness materials focused on mitigating risk and strengthening operational resilience
- Exceptional loss control services aimed at managing risk, reducing loss costs, enhancing regulatory compliance, and keeping business goals on track
AROUND-THE-CLOCK CLAIMS SUPPORT
In the event of an accident, the industry’s finest commercial auto claims team is only a phone call away with our toll-free 24/7/365 hotline. Our experienced adjusters will manage your claim promptly, fairly, and efficiently and get you back to the job site—fast!
Plus, our Loss Recovery Program helps you recover out-of-pocket and downtime expenses, including your deductible, when someone else is at fault for your loss...at no additional cost to you.
PROTECT YOUR BUSINESS VEHICLES TODAY
Your vehicles are some of your most valuable business tools. Protect them, your drivers, and your company with contractor auto insurance from Lancer.
Request a contractor insurance quote today.
MORE INSURANCE FOR CONTRACTORS WE OFFER
MOBILE EQUIPMENT INSURANCE
Need protection for your mobile equipment? Our commercial auto solutions safeguard a variety of mobile equipment used in construction and related industries. For details, contact our mobile equipment insurance team.
““Lancer’s risk management team does an extraordinary job of helping my clients implement a program to help them reduce their risk and improve their operations!””
