Contractor Commercial Auto Insurance California
Commercial auto coverage for California contractors. Work trucks, vans, trailers, and HNOA • COI processing • multiple insurance markets.
Coverage Options for Contractor Contractors
Liability
Covers bodily injury and property damage you cause to others while driving for work. Required in California.
Collision & Comprehensive
Covers damage to your own vehicles from accidents, theft, vandalism, fire, and weather.
Hired & Non-Owned Auto (HNOA)
Covers liability when you or employees use rented or personal vehicles for business.
Uninsured Motorist
Covers your vehicles and employees if hit by an uninsured or underinsured driver.
Medical Payments
Covers medical expenses for you and passengers after an accident, regardless of fault.
Trailer Coverage
Covers trailers used to haul equipment, materials, or tools to contractor job sites.
Contractor Commercial Auto FAQ
Do contractors need commercial auto insurance in California? ⊕
Yes. Personal auto policies exclude business use. If you drive to job sites, haul tools, or transport materials, you need commercial auto. Most contractors pay $1,500–Varies per vehicle.
What does commercial auto cover for contractors? ⊕
Commercial auto covers liability, collision, comprehensive, uninsured motorist, and HNOA for vehicles you rent or employees' personal vehicles used for work.
What is HNOA coverage? ⊕
Hired and Non-Owned Auto (HNOA) covers liability when you or employees use rented or personal vehicles for business. Essential for contractors who rent trucks for large jobs.
Get Your Contractor Commercial Auto Quote
CA Licensed Broker • COI processing • Multiple insurance markets •