Insurance for the Way You Work

Protecting Business on the Move & on the Job

Your vehicles, tools, and on-site operations are vital to running your business—and the risks that come with them are very real. Whether you’re managing a fleet, operating a dealership, or working job sites across Idaho and Utah, we help you stay protected with contractor and commercial auto insurance built for your trade.



At Insurance Designers, we’ll walk you through your coverage options, explain the fine print, and help you avoid costly gaps.

Commercial Property Insurance

Reliable Coverage for Where Business Happens

If your business owns, leases, or regularly operates vehicles, standard auto insurance isn’t enough. We provide commercial auto policies that go beyond personal use coverage to protect your drivers, vehicles, cargo, and liability.


  • Coverage for individual or fleet-owned vehicles
  • Includes liability, collision, comprehensive & uninsured motorist
  • Ideal for delivery, transport, mobile services & trade fleets
  • Customizable options for equipment & branding damage

Auto Dealers Insurance

Tailored Protection for Dealerships

From test drives to service bays, dealerships face a mix of property and liability risks that most businesses never encounter. Our auto dealers insurance covers both your inventory and your operations.


  • Garage liability & garagekeepers insurance
  • Coverage for vehicle inventory on and off the lot
  • Test drive liability & customer vehicle protection
  • Available for new & used car dealerships, RV lots & more

Contractors Insurance

Built for Hands-On Businesses

If you’re in construction, plumbing, electrical, HVAC, landscaping, or any skilled trade, you know every job comes with risk. Our contractor insurance packages are built for flexibility—covering everything from general liability to your tools and team.


  • General liability & completed operations coverage
  • Equipment & tools (on-site, in transit, or stored)
  • Contractor vehicle protection (trailers, pickups, specialty rigs)
  • Options for inland marine, workers comp & bonded work

Protection That Works as Hard as You Do

Coverage You Can Count on, From Jobsite to Highway

From a single pickup to a multi-vehicle operation, we help Eastern Idaho and Utah businesses stay compliant, protected, and confident. Let’s find the policy that fits your operation today—and grows with you tomorrow.

FAQs

Got a question? We’re here to help.

  • What’s the difference between commercial auto and personal auto insurance?

    Commercial auto covers vehicles used for business—whether transporting tools, making deliveries, or visiting job sites. It offers broader protections and is often required for liability reasons.

  • Can I cover all my contractor tools under one policy?

    Yes. Tools and equipment can be bundled under an inland marine policy, which protects them at the job site, in transit, or in storage.

  • Is auto dealers insurance required by law?

    In most states, yes. Dealerships typically need garage liability and garagekeepers coverage to operate legally and protect customer property.

  • What types of vehicles can be insured under a commercial auto policy?

    Cars, vans, pickups, service trucks, box trucks, trailers, and even specialty vehicles like food trucks or bucket lifts can be covered under commercial auto.

  • Can I get workers compensation through my contractor policy?

    Absolutely. We can bundle contractor liability, tools, vehicle coverage, and workers comp into one streamlined plan tailored to your trade.

Ready to Protect Your Property?

Let’s Find the Right Fit for Your Space & Budget

Contact Us