Personal Auto Isn't Enough
If a work truck is used to haul tools, materials, or crew to job sites, it generally needs a commercial auto policy. Using a personal policy for business driving can lead to a denied claim at the worst possible time.
What Commercial Auto Covers
- Liability for bodily injury and property damage caused by a business vehicle
- Physical damage to your owned vehicles, from collisions or comprehensive losses
- Uninsured and underinsured motorist protection
- Hired and non-owned auto coverage for rentals and employee vehicles used for work
- Trailer and equipment coverage for tow vehicles and job trailers
Who Needs It
Any California contractor whose vehicles carry tools, materials, or employees, including general contractors, plumbers, electricians, landscapers, roofers, and mobile service trades.
Tip: Tell us about every driver and vehicle. Driver records and vehicle use drive pricing more than anything else, and listing everyone correctly prevents coverage gaps.
What Affects Your Premium
- Number and type of vehicles, including vehicle age and value
- Driver records and years of experience
- Radius of operation and annual mileage
- Whether vehicles haul heavy equipment or hazardous materials
Get a Commercial Auto Quote
Send us your vehicle list and driver names. We'll compare options from California carriers.
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