Business truck insurance.
For the work ahead.
Your trucks carry the tools, materials, and products behind your business. Start a coverage conversation built around what you drive and how you use it.
For business-use trucks carrying your own goods or equipment. Not for trucking companies hauling for others.
Tell us what your trucks do for your business.
A service pickup and a box truck can face different exposures. Ownership, drivers, vehicle weight, routes, and the work being done all belong in the discussion.
- Contractors moving their own tools and equipment
- Businesses delivering products they own or sell
- Service teams traveling between customers or job sites
- Companies operating business-use trucks or mixed fleets
These inquiries are for businesses transporting their own goods or equipment. CPIS is not soliciting for-hire trucking or freight-hauling operations here. Vehicle and business eligibility remain subject to underwriting.
Different losses.
Different coverage questions.
Review what is included for your vehicles, drivers, and business use. No single label establishes coverage for a claim.
Auto liability
Helps address covered claims for injury to others or damage to their property arising from the use of an insured business vehicle.
Physical damage
Discuss collision and comprehensive coverage for insured trucks. Covered causes of loss, vehicle values, deductibles, and attached equipment need review.
Rented & employee vehicles
Explain any rented vehicles or employee-owned vehicles used for work. Hired and non-owned auto liability may be relevant; physical damage coverage needs separate consideration.
Higher liability limits
Ask whether commercial umbrella coverage can sit above eligible auto liability. The underlying limits and umbrella’s own terms must work together.
Medical payments, uninsured or underinsured motorist coverage, and other options may also be available. Terms and availability vary.
Insuring the truck is not the same as insuring its load.
Tools, materials, products, and equipment carried in a vehicle should not be assumed covered by its auto policy.
Describe what you carry, who owns it, its approximate value, and where it is stored. Ask which property or inland marine options may address those exposures.
Explore our broader Commercial Auto overview →Bring the details.
Make the conversation useful.
Use the Commercial Auto quote form to describe your business-use trucks. Tell us that you transport your own goods or equipment, and include any renewal or project deadline.
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Your vehicles
Vehicle types, ownership or lease arrangements, weight, use, garaging locations, and any trailers or permanently attached equipment.
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Your routes & drivers
Where the trucks travel, how often they are used, who drives them, and any changes in your operations.
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Your current protection
Policy declarations, limits, deductibles, claims history, and insurance requirements from contracts.
A few useful answers.
A coverage review should reflect how your business actually uses its vehicles.
Is this page for companies that haul freight for customers?
No. This page is for California businesses using trucks to carry their own products, materials, tools, or equipment. It does not solicit for-hire freight or trucking operations carrying goods for others.
Is business truck insurance different from commercial auto?
Business-use trucks are often insured through commercial auto coverage. The truck’s type, weight, use, and operations affect the appropriate policy and insurer eligibility. Describe the actual vehicle and work rather than relying on the name alone.
Can I discuss one truck as well as a fleet?
Yes. Include the number and types of vehicles in your inquiry. Available options depend on the vehicles, operations, and insurer underwriting; no minimum fleet size or acceptance is promised here.
What if an employee uses a personal pickup for work?
Disclose that arrangement. Your business may have liability exposure, and a personal policy can have limitations. Ask about hired and non-owned auto liability and clarify whose vehicle damage, if any, is covered.
What affects the price?
The vehicles, drivers, routes, garaging locations, work performed, claims history, and selected limits and deductibles can affect pricing. An inquiry based on your business is more useful than a generic estimate.
Does submitting the form start coverage?
No. The form starts an inquiry. Coverage must be arranged and confirmed under the applicable policy terms before it takes effect.
Your next move starts with a conversation.
Tell us about the trucks behind your business and the coverage you want to review.