Sacramento · Sacramento County
Commercial Auto in Sacramento, CA
Driving trucks into downtown Sacramento every day is a different exposure than a suburban job, and a commercial auto policy is what covers it: liability when your driver causes an accident, physical damage to the truck, and employees running errands in their own cars. We write it for Sacramento contractors and shop it across multiple carriers.
Built for how Sacramento County contractors work
Working downtown or in Midtown adds a question most suburban jobs skip: where the trucks will park. The City of Sacramento issues Temporary Construction Parking Permits, and a current Business Operations Tax certificate is required to get one. Once your vehicles are on the street, they're in city traffic all day. We schedule every owned truck and trailer, add hired and non-owned auto for employee errands, match your liability limits to the subcontract, and send the auto certificate the same day in most cases.
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 Sacramento — local FAQs
The city requires a current Business Operations Tax certificate for a Temporary Construction Parking Permit, so get your BOT certificate in place before the job starts, not the morning you need the curb. The permit's other requirements are set by the city and can change, so check with the City of Sacramento for the current list. On our side, make sure the trucks you'll park there are on a commercial auto policy, and keep an auto certificate ready in case the GC or property owner asks for one.
Most GC subcontracts in California ask for a $1M combined single limit on auto liability, and larger Sacramento commercial projects can ask for more, which is usually met by stacking an umbrella over the auto policy. Personal-auto style limits won't pass a commercial certificate review. The real answer is whatever your contract says, so send us the insurance exhibit and we'll match the policy to it. That way your certificate clears the GC's review the first time instead of bouncing back while your crew waits.
Quote commercial auto with a Sacramento agent.
Local knowledge, competitive markets, same-day certificates. Call or send the form — a licensed agent answers either way.