Commercial Auto Insurance for California Contractors

California contractors should review Commercial Auto when vehicles are owned, titled, or used by the business; when employees drive; when trucks haul tools or materials; or when a contract requires commercial limits. The appropriate policy depends on actual use, vehicle type and weight, drivers, radius, garaging, cargo, filings, and underwriting.

Available options may address eligible liability, collision, comprehensive, uninsured or underinsured motorist, trailers, and hired or non-owned auto exposures. Personal policies may restrict or exclude certain business use, while tools and cargo may require separate coverage.

California's minimum private-passenger liability limits increased to 30/60/15 on January 1, 2025. Commercial, heavy-vehicle, filing, and contract requirements may differ. Review the existing Plumber Commercial Auto, Concrete Contractor Auto, Chula Vista truck, Long Beach vehicle, and Santa Rosa fleet guides, or use the dedicated Commercial Auto quote form.