If you’re a roofer in Nevada, you already know that working high above the ground comes with risks. But what about when you’re on the road, driving to job sites, transporting materials, or even picking up employees?

Having a solid Commercial Auto Insurance Policy isn’t just an extra expense—it’s an essential part of protecting your business and ensuring you can keep working, rain or shine.

Why Roofers Need Commercial Auto Insurance

Let’s be real—your work vehicle isn’t just a means of getting from one job to the next. It’s a mobile headquarters, a supply hauler, and sometimes even a lunch break room. That’s why having the right insurance coverage for your business vehicle is crucial.

A personal auto insurance policy won’t cover accidents that happen while using your vehicle for work. If an accident occurs and your insurance company finds out you were using your truck for business, they may deny your claim—leaving you with a hefty bill for repairs and liability costs. That’s why a commercial auto insurance policy is not just a smart move; it’s a necessary one.

What Does Commercial Auto Insurance Cover?

A strong commercial auto insurance policy should cover more than just bumps and fender benders. Here’s what you can expect:

• Liability Insurance – Covers damages if you or an employee cause an accident.
• Collision Coverage – Helps pay for repairs if your work truck gets into a crash.
• Comprehensive Coverage – Protects against non-collision incidents, like theft, fire, or a rogue tree branch.
• Uninsured/Underinsured Motorist Coverage – Ensures you’re covered if another driver doesn’t have insurance.
• Medical Payments Coverage – Helps cover medical costs for you and your passengers after an accident.

For roofers, General Liability Insurance is another must-have. While your commercial auto insurance policy covers vehicles, general liability insurance protects your business in case a ladder falls on a client’s car (or worse, their head). Combining these types of insurance can offer well-rounded protection.

📞 Call (866) 805-3800 for Your Free Phone Quote Now!

How to Get the Best Rate on Commercial Auto Insurance in Nevada

Nobody wants to overpay for insurance, but skipping coverage isn’t an option either. The good news? There are ways to get low rates while still having rock-solid protection.

1. Compare Multiple Insurance Providers

Insurance rates vary widely between companies. One tip is to check quotes from at least three different insurance providers. Many companies offer free, no-obligation quotes, so you can easily see which company’s insurance best fits your needs.

2. Bundle Policies for Bigger Savings

Most business owners need multiple types of insurance, like general liability insurance and workers’ compensation. Bundling these with your commercial auto insurance policy can often save you money.

3. Maintain a Clean Driving Record

One way to keep insurance costs low is by hiring responsible drivers and maintaining a good record yourself. Accidents and traffic violations increase your insurance costs. Safe driving doesn’t just protect your business—it also helps you secure low insurance rates.

4. Choose the Right Coverage

Don’t just opt for the cheapest policy. Consider what you need—and what could cost you more in the long run if you’re underinsured. The best insurance policies strike a balance between affordability and coverage.

5. Ask for Discounts

Many insurers offer discounts for things like installing GPS tracking in work vehicles, taking safety courses, or paying your policy in full. Ask about available discounts—you might be surprised at how much you can save.

What Happens If You Skip Commercial Auto Insurance?

Let’s say you decide to insure your vehicle under a personal policy instead of a commercial auto insurance policy. Here’s what could happen:

• You get into an accident while transporting materials to a job site, and your insurance company refuses to cover the damages.
• An employee driving your company’s truck hits another car, and suddenly you’re on the hook for thousands in liability costs.
• A client sued because your ladder fell off your truck and cracked their windshield. Without the right insurance coverage, you’re paying out of pocket.

Skipping the right insurance may seem like a way to save you money, but in the long run, it can cost you much more.

Get Covered Today

If you use vehicles for work, don’t wait until an accident happens to find out you’re underinsured. The right coverage protects your business, employees, and property from costly setbacks.

Affordable commercial auto insurance doesn’t mean sacrificing protection. At Fairbanks Insurance Brokers, we compare top carriers to find a Roofing Contractors’ Insurance policy that fit your needs and budget. Exploring multiple options, bundling policies, and taking advantage of discounts can help you secure quality coverage without overspending.

Roofers of Nevada, make sure your business is protected! Call the specialists at Fairbanks Insurance Brokers today at (866) 805-3800 to get started!

Fairbanks Insurance Brokers — The Ultimate Source for Discount Roofing Contractors Commercial Auto Insurance in Nevada!