![\"Contractor](\"http:\/\/www.noyeshallallen.com\/wp-content\/uploads\/2017\/02\/Contractor-Banner-582-X-172-2.png\")
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Many Maine contractors drive personal vehicles for business every day. Cleaning contractors<\/strong> drive their own cars to jobs from Cape Elizabeth to Cumberland. Food delivery<\/strong> workers pop a magnetic sign on the roof and zip through Portland streets. Uber drivers<\/strong> shuttle people to and from the Old Port in their SUVs. Landscapers<\/strong> haul mowers on trailers from Scarborough to Yarmouth. Carpenters and handymen<\/strong> load tool boxes and ladder racks for Munjoy Hill rehab projects. In winter, contractors from Kittery to Fort Kent pick up plow jobs to pay the bills.<\/p>\n Maybe not. Many insurance companies exclude delivery or transporting commercial goods. If you’re in a crash hauling your tools or delivering a pizza, you could find yourself with no coverage. Almost every personal policy excludes carrying passengers for a fee (Uber or Lyft<\/a>).<\/p>\n Lettering can be a “tipping point” when defining a business vehicle. Is your truck lettered? Talk to your Maine contractor’s insurance agent<\/a> to see if you need to switch to a business policy. Avoid a surprise at the absolute worst time – after an accident.<\/p>\n You may have no coverage (see above). Even if your policy doesn’t exclude your claim, your personal insurer won’t be happy. After paying, they could cancel your family’s insurance. Or, they could force you to insure your truck on a business policy. At the very least, they would surcharge your policy for the claim.<\/p>\n Compared to a personal auto policy, a commercial vehicle policy allows you to:<\/p>\n It varies of course, depending on the vehicle and use. Plan to spend about $100 a month for a contractor’s pickup truck with collision coverage and $1 million of liability coverage. Prices can decrease if you have more vehicles, or increase if you have bigger trucks.<\/p>\n Would your<\/strong> Maine auto insurance pay if you were in an accident at work? Have questions about Maine contractors insurance? Contact Noyes Hall & Allen in South Portland<\/a> at 207-799-5541, or click “let’s talk” below. We’ve helped contractors to stay on the job and out of hot water since 1933. Because we represent many insurance companies, we’re independent and committed to you.<\/p>\n You Might Also Like:<\/strong><\/p>\n Many Maine contractors drive personal vehicles for business every day. Cleaning contractors drive their own cars to jobs from Cape Elizabeth to Cumberland. Food delivery workers pop a magnetic sign on the roof and zip through Portland streets. Uber drivers shuttle people to and from the Old Port in their SUVs. Landscapers haul mowers on trailers from Scarborough to Yarmouth. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22,5,37],"tags":[71,72,32],"class_list":["post-4180","post","type-post","status-publish","format-standard","hentry","category-business-liability-insurance","category-car-insurance","category-commercial-vehicle-insurance-business-insurance","tag-commmercial-vehicles","tag-contractors","tag-doing-business-in-maine"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\tDoes a Personal Policy Cover Contractor’s Business Use of a Vehicle?<\/h2>\n
If My Truck Has Lettering on the Side, Does it Require Commercial Insurance?<\/h2>\n
What if I’m in an Accident With My Contracting Truck on My Personal Insurance Policy?<\/h2>\n
What’s the Advantage of Business Auto Insurance?<\/h2>\n
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How Much Does Commercial Vehicle Insurance Cost in Maine?<\/h2>\n
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