Commercial Auto Insurance for Construction Vehicles and Fleets
Protecting the Vehicles That Power Your Construction Business
If your trucks, vans, or trailers move between job sites in Southern California, you need more than a personal auto policy. Commercial auto insurance for contractors is designed to cover vehicles used for business—because the stakes are higher when you’re hauling tools, crew, or materials. At Calrisk, we help construction companies across the region—from Monrovia to Moreno Valley—protect their wheels and stay on the road.
Why Personal Auto Doesn’t Cut It for Contractors
Using a personal vehicle for business purposes can lead to denied claims. Whether it’s your superintendent running materials between projects in Pomona or your estimator driving to a site in Pasadena, business use changes everything.
Imagine your foreman is involved in a crash on the way to a job.
Without proper commercial coverage, your personal policy may leave you exposed to repair costs, liability claims, and lawsuits. Commercial auto insurance steps in when business vehicles are in play.
What a Contractor’s Commercial Auto Policy Covers
A properly built business auto policy includes the coverage contractors need most:
01.
Liability Coverage
Covers damage or injuries you cause to others.
02.
Collision & Comprehensive
Protects your vehicles from crashes, theft, vandalism, or weather damage.
03.
Uninsured/Underinsured Motorist
Helps cover your losses if the other driver has little or no insurance.
04.
Medical Payments (MedPay)
Covers injury treatment for you or your passengers.
05.
Attached Equipment
Ladder racks, toolboxes, mounted gear—these can often be included.
06.
Trailer Coverage
If you tow a jobsite trailer or flatbed, we’ll help cover that too.
We’ll make sure your policy includes what matters most to your operations.
Tools in the Truck? Here’s What to Know
It’s important to know that your commercial auto policy does not cover tools or materials inside the vehicle—that’s what Tools & Equipment Insurance is for. Commercial Auto protects the vehicle and what it hits. Inland Marine covers the gear you haul.
Got Multiple Vehicles or a Small Fleet? We’ve Got You Covered
Many growing contractors operate more than one truck. Whether you have three work vans in San Dimas or ten flatbeds across LA County, Calrisk can arrange fleet policies or multi-vehicle schedules that simplify billing and may offer discounts.
Have dump trucks, concrete mixers, or heavy equipment? We’ll make sure you meet specialty requirements and get the right limits.
California Contractors Must Meet State Requirements
California law mandates that commercial vehicles carry minimum liability limits—but for contractors, those minimums often aren’t enough. Jobsites, city contracts, and GCs may require:
- $1 million combined single limit (CSL) or higher
- Additional insured language or endorsements
- Proof of coverage for trailer usage or hauling equipment
If your vehicles are titled in your company’s name, you must carry a commercial auto policy. Calrisk helps you stay compliant and confident behind the wheel.
Why Contractors Choose Calrisk for Commercial Auto
We move fast—because your business moves fast. From issuing proof of insurance to adding new drivers or vehicles, our team understands the pace of construction.
- Quick turnaround on ID cards and COIs
- Local knowledge of SoCal roads, regulations & risks
- Customized limits and filings based on your operations
- Advice on bundling with General Liability, Workers’ Comp, and other coverages to save time and money
Whether you’re a one-truck outfit or managing a growing fleet, we’ll keep your business rolling.
Ready to Get a Quote?
If you’re not sure whether your current auto coverage fits your construction operations, let’s take a look. We’ll review your needs and find the right commercial auto policy—contact us today.
Frequently Asked Questions – Commercial Auto for Contractors
Do I really need commercial auto insurance if I use my personal truck for work?
Yes. Most personal auto policies exclude business use. If you drive to job sites, haul tools, or transport materials as part of your business, a commercial auto policy is the only way to ensure you're covered.
What’s the difference between commercial and personal auto insurance?
Commercial auto policies are built for business use—they offer higher liability limits, cover multiple drivers, and can include attached equipment or trailers. Personal auto insurance won’t protect you if you're using the vehicle for contracting work.
What if I have more than one vehicle?
We can set up a fleet or multi-vehicle policy with one renewal date and simplified billing. Whether you’ve got two pickups or a full fleet, we’ll tailor coverage to your setup.
Does commercial auto cover the tools in my truck?
No. The truck is covered—but the tools and materials inside are not. You’ll want a Tools & Equipment policy for those items, especially if you keep gear in your vehicle overnight or on-site.
What liability limits should I carry for construction work?
Many construction contracts require $1 million combined single limit (CSL) at minimum. Calrisk can help you meet those requirements and avoid being disqualified from bidding due to low limits.
Can I bundle auto with other contractor coverages?
Absolutely. Most of our clients bundle commercial auto with GL, Workers’ Comp, Builder’s Risk, and more. We’ll design a package that fits your operations.