Commercial Auto Insurance for Contractors in San Diego County
Protect your trucks, vans, and tools-in-transit. Whether you operate a single work truck or an entire fleet, we provide robust commercial auto coverage tailored for California contractors.
Fleet
Protection
Fast
Policy Issuance
15+
Local Carriers
Tools
In-Transit Coverage
Commercial Auto Expertise
What It Covers
Commercial auto protects your business from liability and physical damage related to your work vehicles.
- Auto Liability: Bodily injury and property damage to others.
- Physical Damage: Collision and comprehensive damage to your fleet.
- Tools in Transit: Can be endorsed to cover gear locked in your truck.
Who Needs It
If your vehicle is registered to your business, has ladder racks, carries heavy equipment, or is driven by employees, you need a commercial policy. Plumbers, HVAC Techs, Electricians, GCs, and Landscapers are common clients.
Hired & Non-Owned
If an employee uses their personal truck to pick up materials and gets into an accident, your business can be sued. Hired & Non-Owned Auto (HNOA) coverage protects the business in these scenarios.
Other Contractor Insurance
General Liability
Required for pulling permits and signing contracts.
Workers' Compensation
Mandatory for all employers, and increasingly required for solo contractors.
Contractor Bonds
The $25,000 CSLB bond required to keep your license active.
Builders Risk
Course of construction coverage for new builds and remodels.
Tools & Equipment
Inland marine coverage for your gear anywhere on the job site.
Commercial Property
Coverage for the contractor's shop, yard, and stored materials.
Need Commercial Auto?
Get a custom quote for your contractor fleet. We evaluate your vehicles, drivers, and radius to find the best rates from top carriers.
Fast Turnaround
Quotes within 24 hours.
Fleet Discounts
Multi-vehicle savings available.