Why a personal policy is not enough
Concrete work often involves heavier vehicles than other trades — dump trucks, mixers, pump trucks and equipment trailers. Heavier units can bring different underwriting and, for trucks over certain weights, federal or state motor-carrier filings, so every unit and trailer should be scheduled correctly.
California's private passenger minimums are 30/60/15 (since January 1, 2025); most GCs require $1 million combined single limit on commercial auto.
Checklist
- Confirm additional insured and waiver wording your GC needs
- List every driver, including new hires
- Consider uninsured/underinsured motorist coverage
- Schedule every truck, van and trailer titled to the business
Get a quote
Asena Capital Insurance Services compares multiple markets for Laguna Beach 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
Does my personal auto policy cover my work truck in Laguna Beach?
Usually not if the truck is titled to the business or used mainly for work; personal policies commonly exclude business use.
Do C-8 concrete contractors need workers' comp with no employees?
Yes. Since January 1, 2023, CSLB requires a workers' comp policy on file for every active C-8 license, regardless of employees. The exemption is no longer available for this classification.