Commercial Auto Insurance
for California Contractors —
Personal Auto Won't Cover You
The moment you're hauling tools, driving to a job site, or towing a trailer for your business, you need Commercial Auto insurance — or you're one accident away from paying out of pocket.
Quick Answer
Commercial auto insurance is required any time a vehicle is used for business purposes — including driving to job sites, hauling tools, or towing trailers. Personal auto policies exclude business use and will deny claims. California contractors need commercial auto for every work truck, van, or fleet vehicle. Coverage includes liability, collision, comprehensive, and uninsured motorist protection.
Who Needs Commercial Auto Insurance?
If you use any vehicle for business purposes in California, a personal auto policy will not protect you. Commercial Auto insurance is required for:
What Personal Auto Does NOT Cover
Your personal auto insurer can deny the entire claim if the vehicle was being used commercially at the time of the accident. This includes driving to a job site, hauling materials, or even just having tools in the truck bed. One denied claim can cost you tens of thousands of dollars out of pocket — and potentially your business.
What Commercial Auto Covers
Vehicles We Insure
We insure all types of contractor vehicles across California — from a single work truck to a full fleet:
How Much Does Commercial Auto Cost?
Commercial Auto for California contractors typically runs $1,200–$3,500 per year per vehicle depending on driving history, vehicle type, cargo, and radius of operation. Fleet discounts apply for 3 or more vehicles. We shop 100+ carriers to find you the best rate for your specific trade and fleet.
Get a Commercial Auto Quote for Your Contracting Business
Same-day quotes. We'll call you within 10 minutes.
⚡ Get My Commercial Auto QuoteFrequently Asked Questions
Why can't I use my personal auto insurance for my work truck?
What vehicles does commercial auto insurance cover?
How much does commercial auto insurance cost in California?
Can I insure multiple vehicles on one policy?
Do I need commercial auto if I only use my truck occasionally for work?
What is Hired & Non-Owned Auto coverage?
Get a Free Quote
We'll call you within 10 minutes
Licensed California broker. We shop 100+ carriers to find you the best rate for your fleet.