California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
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.
Contractors should review Commercial Auto when vehicles are owned, titled, or used by the business, when employees drive, when trucks carry tools or materials, or when a contract requires commercial terms. Vehicle type, use, drivers, garaging, radius, filings, and loss history affect the review.
Review Commercial Auto when the vehicle is owned or titled by the business, used regularly for work, driven by employees, or used to carry tools and materials. Personal policies can restrict business use; rely on the actual policy terms.
Prepare vehicle year, make, model and use; ownership; garaging; operating radius; drivers and driving records; cargo or tools; filings; limits; deductibles; and prior losses.
No. Private-passenger minimums, commercial vehicle rules, heavy-vehicle rules, filings, and contract requirements are not interchangeable. Verify the requirement for the vehicle and use.
Official references: California CSLB · CSLB workers' compensation requirements · California DIR employer information · California Department of Insurance consumer resources