Commercial Auto Insurance for contractors in San Jose
Covers trucks, vans and trailers used for work. California's private passenger minimums rose to 30/60/15 on January 1, 2025, but contracts usually require $1 million combined single limit.
San Jose contractors by the numbers
San Jose has 4,970 active CSLB contractor licenses (September 2026), #3 among California cities. 53% carry a workers' comp policy, 45% are on file as exempt, and 399 licenses were issued here in the last 12 months. The largest group is B (2,246 licenses).
With 4,970 licensed contractors based here, work trucks are everywhere on San Jose streets. Personal auto policies commonly exclude business use, so trucks titled to the business belong on commercial auto.
Other Santa Clara County contractor markets
Santa Clara (637 licenses), Gilroy (559 licenses), Campbell (492 licenses), Morgan Hill (467 licenses), Sunnyvale (430 licenses).
Get a quote
Asena Capital Insurance Services compares multiple markets for San Jose contractors and requests additional insured endorsements for you when a contract calls for them. Call (858) 925-9555 or request a quote — only your name, phone and email are required. CA License #6008596.
Frequently asked questions
Do I need commercial auto to work in San Jose?
Covers trucks, vans and trailers used for work. California's private passenger minimums rose to 30/60/15 on January 1, 2025, but contracts usually require $1 million combined single limit.
What is the fastest way to get a certificate of insurance?
Once a policy is bound, a certificate of insurance can usually be issued quickly, including additional insured wording a GC asks for. Timing depends on the carrier and the endorsements requested.