Commercial Auto Insurance in Pulaski County, KY — Reliable Coverage for Business Vehicles Across Kentucky
From work trucks in Somerset to service vans traveling Kentucky highways, your business vehicles face risks that personal auto policies simply don’t cover. When your livelihood depends on your wheels, you need protection built for commercial use.
At Stewart & Tucker Insurance, we help contractors, fleet managers, and small business owners safeguard the vehicles that keep their operations moving — with coverage that meets Kentucky’s legal requirements and real-world business needs.
What Should Your Commercial Auto Policy Cover?
Commercial auto coverage provides broader and more specialized protection than personal auto insurance. Here’s what your Kentucky business should consider:
Liability Coverage
Protects your business from the financial impact of accidents that cause injuries or property damage.
Collision Coverage
Pays to repair or replace business vehicles damaged in a crash — essential for trucks, vans, and fleet units.
Comprehensive Coverage
Protection from non-collision losses such as fire, theft, vandalism, animal strikes, falling objects, and severe storms — all common risks in Kentucky.
Uninsured / Underinsured Motorist Coverage
Covers your business if an at-fault driver doesn’t have adequate insurance.
Medical Payments / Personal Injury Protection (PIP)
Helps pay medical costs for your drivers and passengers after an accident, regardless of fault.
Hired & Non-Owned Auto Coverage (HNOA)
Extends liability protection to rented vehicles or employees’ personal vehicles used for work purposes — critical for deliveries, sales calls, and service visits.
Add‑Ons That Matter
Additional commercial auto endorsements can help reduce downtime and protect the tools, equipment, and vehicles that keep your business running:
Rental Reimbursement
Keeps your business operational if a covered vehicle is out of service.
Towing & Roadside Assistance
Minimizes downtime with jumpstarts, tows, lockout help, and more — anywhere in Kentucky.
Trailer / Equipment Coverage
Protects trailers, attached gear, tools, and cargo stored in or on your vehicles.
Why It Matters
Why Commercial Auto Insurance Matters in Kentucky
If your business relies on vehicles, commercial auto insurance isn’t optional — it’s essential. Personal policies rarely cover business use, which can leave you financially exposed in a claim.
A properly structured commercial auto policy ensures:
- You meet Kentucky state insurance requirements
- Your business is protected from expensive lawsuits
- Vehicles, tools, equipment, and employees are covered
- Clients and partners know you operate fully insured
- Your business can keep going, even after a setback
We help you secure the right coverage at a competitive rate — with the flexibility to grow as your company grows.
What You Need to Know About Commercial Auto in Kentucky
What types of businesses need commercial auto insurance?
Contractors, electricians, plumbers, HVAC techs, delivery services, realtors, repair technicians, and anyone using vehicles for work.
Are personal vehicles covered when used for business?
Not usually. Personal policies often exclude business use. You may need HNOA or a full commercial policy.
Can I insure multiple vehicles under one policy?
Yes. Fleet policies allow you to insure multiple vehicles — often with cost savings.
Do I need to list every driver?
Yes. Anyone who may operate an insured vehicle must be listed to avoid coverage issues.
How often should I review my commercial auto policy?
At least annually — and whenever you hire new drivers, add or remove vehicles, or expand your business.
Get Business Vehicle Coverage That Goes the Distance
From a single work truck to a full fleet, Stewart & Tucker Insurance delivers customized commercial auto solutions designed for Kentucky businesses. With local expertise and hands-on service, we make sure your vehicles — and your business — stay protected everywhere you go.