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CA · Contractor coverage

Commercial Auto

Your personal auto policy stops covering you the moment the truck goes to work. Commercial Auto picks up where it leaves off — on the road, between job sites, every day.

Get a Commercial Auto quote Call 800-897-8221
Why it matters

Personal policies won’t cover work trucks

Personal auto insurance excludes business use — if your truck is hauling tools, towing equipment, or driving crew to a site when something happens, a personal policy can deny the claim outright. Commercial Auto is built for exactly that exposure.

Many contracts also set auto liability minimums (a $1,000,000 combined single limit is common) and want it shown on your certificate. We’ll make sure your policy matches what your contracts demand — including hired and non-owned coverage for rented trucks and employees driving their own vehicles on company business.

What it covers

  • Liability — bodily injury and property damage you cause with a covered vehicle
  • Collision — damage to your own trucks and vans from an accident
  • Comprehensive — theft, vandalism, fire, glass, and weather damage
  • Uninsured / underinsured motorist — protection when the other driver has no (or too little) insurance
  • Hired & non-owned auto — rented trucks and employees’ personal vehicles used for work
  • Medical payments — injuries to you and your passengers, regardless of fault
$1M CSL

the combined single limit most contracts expect commercial vehicles to carry

Every vehicle type

pickups, service bodies, flatbeds, dumps, vans, and trailers

Tools ride separately

gear in the truck is covered by Inland Marine — pair them together

Pairs well with

Round out your coverage

Inland Marine

Protection for tools, equipment and materials in transit or stored off-site — the stuff that isn’t nailed down.

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General Liability

Third-party bodily injury and property damage protection — the coverage almost every project owner requires.

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Excess & Umbrella

Additional liability coverage beyond standard limits — often required for larger contracts and public work.

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Common questions

Commercial Auto, answered

Won’t my personal auto policy cover my work truck?
Usually not. Personal policies exclude business use — hauling tools, towing equipment, driving between job sites. If the adjuster determines the truck was working at the time of the accident, the claim can be denied outright. Here’s where the line actually falls →
Which vehicles need Commercial Auto coverage?
Any vehicle titled to the business or used regularly for work: pickups, service bodies, flatbeds, dump trucks, vans, and the trailers they tow. If it carries your tools, your crew, or your company name, it belongs on a commercial policy.
What is hired & non-owned auto coverage?
It extends your liability protection to vehicles you don’t own — rented trucks, and employees driving their personal vehicles on company business. Many contracts require it, and it’s an inexpensive addition to a Commercial Auto policy.
What auto liability limits do contracts require?
A $1,000,000 combined single limit is the most common contract requirement for contractors, and it’s what GCs expect to see on your certificate. Larger projects may require excess limits on top.
Can I get a certificate showing my auto coverage right away?
Yes — instantly. Once you’re covered, you can issue certificates showing your auto liability limits from our client portal in seconds, any time.

Get a Commercial Auto quote today

Tell us about your work and we’ll come back with real options — usually within one business day. Certificates are instant once you’re covered.

Get my free quote Call 800-897-8221