Commercial Auto Insurance
What Is Commercial Auto Insurance?
Running a hardware store often means moving tools, equipment, and supplies from one location to another. Whether you’re delivering materials to contractors, transporting inventory between stores, or using company vehicles for daily operations, having the right Commercial Auto Insurance is essential.
At Hardware Store Insurance, we offer specialized auto coverage designed for hardware retailers, tool shops, electrical supply stores, and home-improvement businesses. Our goal is simple:
protect your business vehicles, your drivers, and your operations—so your store stays running efficiently and safely.
Why Hardware Stores Need Commercial Auto Insurance
Hardware stores rely on vehicles every day—whether for hauling lumber, delivering tools, stocking shelves, or transporting equipment to job sites. Without proper insurance, even a minor accident could disrupt your operations and lead to expensive repairs or claims.
Our Commercial Auto Insurance covers:
Company-owned delivery trucks and vans
Pickup trucks used for transporting materials
Utility vehicles and small service vehicles
Business Owner’s Policy (BOP)
A Business Owner’s Policy combines essential insurance coverages into a single, cost-effective plan.
For hardware stores, a BOP provides:
Property Insurance to protect your building, inventory, tools, and equipment
General Liability Insurance to cover customer injuries and accidental damage
Business Interruption Coverage to replace income if operations pause after an accident
BOP protection ensures your entire business—not just your vehicles—remains secure and financially protected.
General Liability Insurance
General Liability Insurance protects your hardware store from everyday risks involving customers or products.
It covers:
Slip-and-fall accidents in the aisle
Property damage caused by tools or rental equipment
Claims related to faulty or damaged products
Legal fees and settlements
Workers’ Compensation Insurance
Hardware stores involve daily physical activity—lifting boxes, handling tools, and moving heavy equipment. This makes employee injuries more likely.
Workers’ Compensation Insurance covers:
Medical bills for workplace injuries
Lost wages during recovery
Disability benefits
Ongoing rehabilitation
Employer legal protection
Services Provided by Us
Commercial Auto Insurance
Protect the vehicles that keep your hardware business running—whether it’s product delivery vans, service trucks, or supply transport vehicles.
Product Liability Insurance
Hardware stores sell thousands of products, from power tools to electrical items. If any item you sell causes injury or damage
Tool & Equipment Coverage
From saws and drills to forklifts and cutting machines, your hardware store depends on valuable equipment.
Cyber Liability Insurance
Hardware stores rely on POS systems, digital payment gateways, and customer data. Cyber Liability Insurance shields your business from data breaches
Large Hardware Retail Chains
Larger hardware chains face expanded risks—multiple locations, high inventory volume, heavy foot traffic, and high employee turnover.
Small Hardware Shops
Smaller hardware stores need strong insurance protection without high premiums. Our tailored plans cover essential risks like customer injuries
Return-to-Work Programs
Support your injured employees with structured return-to-work programs that reduce costs and help workers safely resume their duties
Hardware Store Injuries
Employee and customer injuries are common in hardware stores due to heavy lifting, sharp tools, and crowded aisles.
Find Out About Frequently Asked
Yes. Any business-owned vehicle used for deliveries, transporting materials, or employee travel must be covered by Commercial Auto Insurance. Personal auto policies do not cover business use.
Pickup trucks, cargo vans, delivery vehicles, service vehicles, trailers, material haulers, and more—anything used for business purposes.
Yes. If employees drive company vehicles—or drive their own vehicles for company business—you can add coverage to protect them as well.
Coverage includes collision damage, liability claims, medical expenses, vehicle theft, vandalism, towing, and uninsured motorist protection.