Commercial auto insurance for a contractor is primarily intended to cover:
a.Damage to the building itself while under construction
b.Liability and damage from the contractor's vehicles
c.Theft of the hand tools from a jobsite trailer
d.Injuries to employees who work indoors only
Explicación
Commercial auto responds to liability and physical damage arising from the contractor's owned, hired, and non-owned vehicles. (a) is builder's risk, which insures the work itself. (c) is inland marine or a tools and equipment floater. (d) is workers' compensation. The overlap worth knowing: when an employee is hurt driving for work, the employee's own injury is a workers' compensation claim while the other driver's injuries are the auto liability claim — one accident, two policies.
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Revisado por Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verificar)