Utility Trailer Insurance

What kind of work do you do?
A high roof cargo van pulling a utility trailer.
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Why do utility trailer businesses need insurance?

Your plan is to earn money with your utility trailer, but an accident or lawsuit could end up costing thousands. Business insurance safeguards against unexpected costs, giving you peace of mind and financial protection.

The driver of a utility trailer texting a client.
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Get same-day insurance

With Insureon, small business owners can get coverage for their utility trailers the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of insurance do you need for utility trailers?

These policies cover the most common risks of a utility trailer business.

General liability insurance icon

General liability insurance

This policy covers the most common lawsuits brought by people outside your business, such as a client who trips on a broken step and suffers a bodily injury.

  • Slip-and-fall accidents
  • Personal injury lawsuits
  • Copyright infringement
Business owner’s policy icon

Business owner's policy

A BOP is a cost-effective way for businesses that rely on utility trailers to buy general liability coverage and commercial property insurance together.

  • Accidents that harm customers
  • Theft or vandalism of business property
  • Business interruption insurance
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers accidents involving your business's commercial vehicle. Each state has its own requirements for auto liability insurance.

  • Damage caused by your vehicle
  • Lawsuits from other motorists
  • Vehicle theft and vandalism
Workers’ compensation insurance icon

Workers' compensation insurance

Most states require workers' comp for utility trailer businesses that have employees. It also covers work-related medical costs for sole proprietors, which personal healthcare can deny.

  • Employee medical expenses
  • Disability benefits
  • Workplace injury lawsuits
Cyber insurance icon

Cyber insurance

This policy helps small businesses recover financially from data breaches and cyberattacks. It's recommended for any business that handles customer information.

  • Data breach investigations
  • Fraud monitoring services
  • Cyber extortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

This policy helps companies with utility trailers meet requirements for higher limits. It boosts the coverage limits on commercial auto, general liability, and employer's liability insurance.

  • Multi-vehicle accidents
  • Customer injury lawsuits
  • Workplace injury lawsuits
Looking for different coverage? See more policies.

How much does utility trailer insurance cost?

A transportation professional calculates the cost of business insurance.

A small business owner who offers a utility trailer for hire can expect to pay less for insurance than a larger business.

Factors that affect business insurance rates include:

  • Type of trailer, such as travel trailer, car hauler, or horse trailer
  • Number and type of commercial vehicles
  • Employee driving records
  • Where your business is located
  • Policy limits and deductibles
  • Policy exclusions

How do I get commercial utility trailer insurance?

It's easy to get insurance for companies that depend on utility trailers if you have your business information on hand. Our application will ask for basic facts, such as your annual revenue and number of employees.

You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application.
  2. Compare quotes from leading insurance companies.
  3. Pay for your policy and download a certificate.

Insureon's licensed insurance agents work with top-rated U.S. providers to find affordable insurance for your business. Get peace of mind with the right coverage for your utility trailer business, whether you work in the trucking industry, offer roadside assistance, or run a landscaping business.

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FAQs about utility trailer insurance

Review common questions about utility trailer insurance coverage.

Does commercial auto insurance cover my utility trailer?

For smaller trailers, your commercial auto insurance policy will cover damage caused by the towing vehicle and the trailer, including any injuries or property damage. It'll pay for legal fees if you're sued after a car accident.

However, car insurance won't cover physical damage to a trailer or its contents. You may need to contact your insurance company to add additional coverage to your policy.

Larger utility trailers must have their own separate insurance and registration, such as RV insurance for a fifth wheel camper. You might also need a mobile equipment endorsement, which covers construction and farming equipment driven on public roads. As with motor vehicles, state laws determine how much auto liability coverage you need for your trailer.

Do I need other insurance coverage for when my utility trailer is in transit?

Yes, you should make sure that items hauled in your cargo trailer or flatbed also have coverage. If they are damaged or stolen, your commercial auto policy may not provide protection.

Here are a couple policies you could also consider:

Inland marine insurance protects your business property wherever you take it, including while it's being transported in a trailer. Cargo insurance is a type of this coverage designed to protect shipments of goods from damage, theft, and other losses.

Comprehensive coverage extends your auto policy beyond collision coverage to include damage from other sources, such as falling branches, hail, and vandalism.

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