Painting contractors on the road in Daly City
54 C-33 painting contractors are licensed in Daly City (CSLB, September 2026), and 33% operate as corporations or LLCs — entities whose vehicles are normally titled to the business and need commercial auto. Neighboring San Mateo County markets: Redwood City (84), San Mateo (68), South San Francisco (31).
Why a personal policy is not enough
Most painters drive pickups or vans with ladders and sprayers. If the vehicle is titled to the business or used mainly for work, it belongs on a commercial auto policy.
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
- Consider uninsured/underinsured motorist coverage
- Schedule every truck, van and trailer titled to the business
- Add hired and non-owned auto for rentals and employee cars
- Insure tools in the truck under inland marine
Get a quote
Asena Capital Insurance Services compares multiple markets for Daly City 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 Daly City?
Usually not if the truck is titled to the business or used mainly for work; personal policies commonly exclude business use.
Do C-33 painters need workers' comp if I work alone?
Not today — a solo painter can file an exemption with CSLB. Beginning January 1, 2028 (SB 1455), CSLB will require workers' comp for all active licenses, except joint ventures.