Work trucks for crews on the move.
Auto liability, physical damage and hired and non-owned auto for the pickups, service-body trucks and trailers that take your crew and tools from job to job.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Your trucks carry the business
Contractors and service companies run trucks hard: crews in the cab, tools in the bed, a trailer behind. Carriers look at the trade, the radius from where the trucks are parked, each truck's weight and the drivers' records.
I insure the trucks you own at their real value, upfits included, add hired and non-owned auto for employees who drive their own cars on errands, and keep tools and equipment on their own inland marine policy so a theft isn't fought over as an auto claim.
- Auto liabilityInjuries and damage caused on the road.
- Physical damageYour trucks, upfits and trailers.
- Hired and non-owned autoRentals and employees' own cars.
- Tools and equipmentWhat rides in the bed and the boxes.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Trucks: year, make, VIN, gross vehicle weight and upfit value.
- Trailers: what you tow and what's on them.
- Radius: local, intermediate or long distance.
- Drivers: names, dates of birth, license numbers and records.
- Business: your trade, FEIN and where the trucks are parked.
- History: current declarations and loss runs.
Work truck insurance, answered
Does a truck over 26,000 pounds change things?
Yes. Most single trucks over 26,000 pounds need a CDL to drive, and fewer markets write them, so they go to an underwriter.
Are tools in my truck covered by auto insurance?
No. Auto physical damage covers the truck and permanent upfits. Tools need inland marine coverage.
What if an employee drives their own car for work?
Hired and non-owned auto protects the business if they cause a crash on your errand. Their own policy pays first.
Do dump trucks fit here?
Usually not. Dump and mixer trucks are written by a separate set of markets.
Do you offer work truck insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in all 50 states and Washington, DC and places policies there directly. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your trucks and drivers. I'll shop it.
A vehicle schedule with upfit values, a driver list and your loss runs are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. Your next step comes by email, and you get an update at every step until your quotes are ready.
(877) 711-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.