For contractors, service companies, and other businesses that rely on vehicles for daily operations, the company truck or van is more than just transportation—it’s a rolling office. New survey data from Pie Insurance’s 2025 State of Workplace Safety Report reveals that 42% of surveyed businesses with commercial vehicles reported an auto-related incident in the previous year, with an average out-of-pocket cost of $5,725 per accident.
The findings, based on a YouGov survey of 1,018 U.S. small-business owners and decision-makers at companies with between two and 500 employees, highlight the financial and operational risks that commercial vehicle accidents pose. Inter Insurance Agency says the results serve as a timely reminder for business owners to review their auto insurance coverage.
“For many small businesses, the work truck isn’t just a way to get from one place to another. It’s essentially a rolling office,” said Tim Derham of Inter Insurance Agency. “When that vehicle is damaged or involved in an accident, you’re potentially dealing with much more than a repair. You may be dealing with interrupted jobs, lost working time, and liability exposure.”
Commercial auto insurance is designed to protect vehicles used for business purposes, including company cars, vans, and pickup trucks. Depending on the policy, coverage may include liability, collision, comprehensive, and uninsured or underinsured motorist protection. Liability coverage can help protect a business following a covered accident involving bodily injury or property damage. Collision coverage can help cover damage to the insured vehicle following a covered accident, while comprehensive coverage provides protection against certain non-collision losses such as theft, vandalism, and weather-related damage. Uninsured and underinsured motorist coverage offers additional protection when another driver lacks adequate insurance.
For contractors, plumbers, electricians, landscapers, delivery companies, and other mobile businesses, vehicles may be in use throughout the working day and are essential to completing jobs and serving customers. Given the high incident rate, Inter Insurance Agency recommends that businesses periodically review their commercial auto policies, particularly when adding vehicles, hiring employees who will drive for the company, or changing how existing vehicles are used.
“The important question is whether the coverage you purchased still reflects the business you’re operating today,” Derham said. “A business can change significantly in a year, and its insurance should keep pace.”
The 2025 State of Workplace Safety Report was commissioned by Pie Insurance and conducted by YouGov PLC. The survey included 1,018 U.S. small-business owners and decision-makers responsible for commercial insurance and/or workers’ compensation coverage and was fielded January 9-18, 2025.
