Citrus Heights · Sacramento County
Commercial Auto in Citrus Heights, CA
If a truck carries your ladders and materials to Citrus Heights jobs, it needs a commercial auto policy. Personal auto policies can deny a claim once the carrier learns the vehicle was working. We cover contractor trucks, vans, and trailers in Citrus Heights for liability and physical damage, and we shop the policy across multiple carriers.
Built for how Sacramento County contractors work
Service and remodel work in Citrus Heights means lots of short drives on residential streets: one job in the morning, a supply run, two estimates in the afternoon. Every stop is a chance to back into a mailbox or clip a parked car, and every employee running parts in their own vehicle is an exposure your business owns. We list your trucks, trailers, and drivers correctly, add hired and non-owned auto for the personal-car errands, and send the auto certificate whenever a GC or property manager asks for one.
Send us your vehicle list and drivers once. We structure the policy — owned autos, trailers, hired/non-owned — and shop it across carriers. Add a truck mid-year, text us the VIN; we handle the rest and the certificate follows the same day.
Full commercial auto coverage guideWhat it covers
- Liability for bodily injury and property damage your vehicles cause
- Collision and comprehensive on owned trucks, vans, and trailers
- Hired and non-owned auto — employees driving personal vehicles for work
- Tools and equipment in transit (paired with an inland marine policy)
- Uninsured/underinsured motorist protection for your drivers
Commercial Auto in Citrus Heights — local FAQs
Not unless your policy includes hired and non-owned auto. When an employee drives a personal car on a work errand and causes an accident, the injured party can come after your business, and the employee's personal policy may not respond the way you'd hope. HNOA fills that gap. It's one of the most commonly missed coverages for small remodel and service companies that make a lot of short trips. We'll add it to your commercial auto policy, or place it separately if you don't own any work vehicles.
It matters for how the policy is written, not whether you can get one. Carriers rate commercial auto partly on where each vehicle is garaged and how far it travels, so the application should show where the truck actually parks at night and the radius you really drive. Citrus Heights sits right on the Roseville border, and plenty of contractors cross that county line every day. Getting those details right up front avoids a surprise at renewal or, worse, at claim time.
Quote commercial auto with a Citrus Heights agent.
Local knowledge, competitive markets, same-day certificates. Call or send the form — a licensed agent answers either way.