You work foryourself.Don't drive unprotected.
If you earn 1099 income and use a vehicle for work, your personal auto policy won't cover you the moment you're on the job. Pouch fills that gap — fast, fair, and built around how you actually earn.
Your personal policy has a dangerous blind spot.
Most independent contractors assume their personal auto policy covers them on the job. It doesn't. Insurance companies put a commercial use exclusion in every personal auto policy — which means the moment you drive for work, you're exposed.
This isn't a technicality. In a serious accident, your insurer can deny your entire claim, leaving you personally responsible for the other driver's medical bills, vehicle damage, and legal fees.
Get Commercial CoverageIf your vehicle earns you income, we can cover it.
Pouch Commercial Auto covers a wide range of 1099 workers, self-employed tradespeople, and small business owners across six states.
Don't see your trade? Call (844) POUCHIT and press 3. We use NAICS codes and cover a lot more than this list.
Real commercial coverage. Not a watered-down personal policy.
Pouch Commercial Auto gives 1099 earners the real thing — admitted commercial auto coverage that actually protects you, your vehicle, and your business on the job.
| Coverage Option | Limits Available |
|---|---|
| Combined Single Limit (CSL) | $100K$125K$250K$500K |
| Split Limits (BI / PD) | 50/100/25 up to 500/500/100 |
| Collision Deductible | $100$250$500$1K$2.5K$5K |
| Comprehensive Deductible | $100$250$500$1K$2.5K$5K |
| Medical Payments | $1,000 / $5,000 / $10,000 |
| Max vehicles per policy | 10 (5+ requires UW approval) |
| Max radius of operation | 200 miles from garaging address |
Personal auto vs. Pouch Commercial Auto
See exactly where your personal policy leaves you exposed — and how Pouch fills every gap.
| When this happens… | Personal Auto Policy | Pouch Commercial Auto |
|---|---|---|
| You cause an accident driving to a job site | Denied — commercial use exclusion | Covered up to your selected limit |
| Your work truck is hit in a parking lot | May be denied if vehicle is used for work | Covered under Comp or Collision (optional) |
| Your trailer is stolen from a job site | Not covered — trailers are excluded | Covered on stated value basis (optional) |
| A client requires a certificate of insurance | Personal policy won't satisfy the requirement | Certificate issued same day after binding |
| An uninsured driver hits you on the way to work | UM claim may be denied due to work use | UM/UIM coverage included |
| You're injured in an accident on the job | Medical coverage excludes work use | Medical Payments available (optional) |
| Your employee drives your work van and crashes | Excluded — commercial use, non-owner driver | Covered — all listed drivers protected |
One call. Same-day coverage. No waiting.
We made it fast because every day without coverage is a day you're exposed. Most 1099 earners are covered the same day they call.
Tell us your trade
Share your business type, state, vehicles, and drivers. Our team uses NAICS codes — if you know your trade, we can quote you.
We rate and MVR
Pouch runs Motor Vehicle Reports on all drivers and rates your policy. No surprises at renewal. Fast turnaround.
Sign and pay
Pay in full or choose a monthly installment plan. Coverage begins same day. Your certificate of insurance is available immediately.
Get back to work
Drive to the job site with real commercial coverage. Call (844) 768-2448 if you ever need us — a human picks up.
See how it works for earners like you.
Three real-world examples of how Pouch Commercial Auto protects 1099 workers in the field.
From the people Pouch protects.
"I've been a self-employed electrician for 11 years and never had commercial coverage because nobody could explain it simply or get me covered quickly. Pouch had me on the phone for 20 minutes and sent the cert the same day. That's it."
"My general contractor kept kicking me off job sites because I didn't have a commercial auto cert. My personal auto agent had no idea what I needed. Pouch knew exactly what I needed and had me covered before the end of the day."
"I run a 3-person landscaping crew with two trucks and a trailer. Pouch covered everything under one policy — including the trailer — for less than I expected. The installment plan made it easy on my cash flow."
Questions from workers like you.
Yes — without exception. Personal auto policies contain a commercial use exclusion. The moment you use your vehicle for business purposes — driving to a job site, hauling tools, carrying a client — your insurer can legally deny any claim. Commercial coverage closes that gap entirely.
Yes. New ventures are welcome as long as you have prior experience in your trade or industry. You don't need years of business history — if you know the trade and you're working it, we can cover you.
Yes. Trailers are available on a stated value basis. Eligible types include utility, landscape, cargo/enclosed, and small dump trailers up to $25,000 in total value and 4,000 lbs GVWR. Gooseneck and car haulers are not eligible.
Certificates of insurance are issued immediately after your policy is bound. If a general contractor or property manager needs a cert before you can start work, we'll have it to you the same day you call. Call (844) 768-2448 and press 3 for underwriting.
Up to 10 vehicles. Policies with 5 or more vehicles require underwriting approval, and we'll ask for 3 years of loss runs and an EIN/TIN for the business. Growing your crew? We scale with you.
Comprehensive and Collision are optional add-ons. You can choose liability only, or add physical damage coverage per vehicle. All physical damage is on an Actual Cash Value (ACV) basis. Deductible options range from $100 to $5,000.
Currently available in Arizona, Illinois, Indiana, New Mexico, Tennessee, and Texas. More states are in the works. Call (844) POUCHIT or email Agent@pouchinsurance.com to be added to the notification list for your state.
Yes. You can pay in full (best value, no installment fees) or choose an installment plan with a down payment followed by monthly payments. Installment fee is $10 per payment. Agency policy fee of $45 per term applies to all policies.
Money In Your PocketStop driving your
livelihood without
real coverage.
One phone call. A real person answers. Same-day coverage for 1099 earners who need to get back to work — not back to filling out forms.
Press 3 for Underwriting · Press 2 for Billing · Press 1 for Claims
Monday–Friday 8:30 AM – 5:00 PM CST · Agent@pouchinsurance.com
Stonegate Insurance (IL, UT, AZ · NAIC 14012) · Unique Insurance Company (TN, IN, NM · NAIC 10655) · Redpoint County Mutual Insurance (TX · NAIC 29300)
All admitted carriers · Pouch Insurance · License 3001287637