Commercial Auto Insurance
Commercial auto insurance for work trucks, fleets and business vehicles.
When a vehicle is part of the business, personal auto coverage is usually not the right place to start. Work trucks, vans, fleets, trailers, employee drivers, service calls and vehicles titled to a business all create commercial-auto questions of their own.
Donner Pass Insurance Services helps businesses across Truckee, Tahoe, Reno and Northern Nevada review commercial auto coverage around the vehicles, drivers and work the business actually performs.
Who we help
Commercial auto should match how the vehicles are actually used.
Contractors & Trades
Pickups, service trucks, vans, trailers and vehicles moving crews, tools or materials between jobsites.
Local Businesses & Fleets
Company-owned vehicles, multiple drivers, delivery or service routes, sales vehicles and growing fleets.
Hired & Non-Owned Auto
Businesses may have exposure when employees use personal vehicles for work or when the company rents or borrows vehicles.
Mixed California / Nevada Operations
Garaging, operating radius, driver locations and cross-border work can all matter when vehicles regularly move between California and Nevada.
What we review
The vehicle schedule is only part of the story.
Liability Limits
Commercial auto liability should be reviewed alongside contracts, umbrella or excess coverage and the severity of the work the business performs.
Physical Damage
Comprehensive and collision, deductibles, vehicle values and lender requirements should reflect the vehicles the business actually owns.
Drivers & Garaging
Driver eligibility, motor vehicle records, where vehicles are kept and who takes them home can affect underwriting and pricing.
Trailers & Equipment
Trailers, permanently attached equipment, tools and mobile equipment may need to be coordinated with inland marine or other business coverage rather than assumed to be covered by the auto policy.
Operating Radius & Use
Local service calls, regional work, deliveries, jobsite use and longer-distance operations can change how a carrier views the account.
Hired / Non-Owned Exposure
Employee-owned vehicles used for business and short-term rented vehicles can create liability exposure even when they are not on the company vehicle schedule.
Contractors & Commercial Fleets
Commercial auto often connects to the rest of the insurance program.
For contractors and other vehicle-heavy businesses, commercial auto may need to line up with general liability, workers compensation, inland marine, umbrella or excess liability, certificates and contract requirements. Reviewing those pieces together can be more useful than shopping the auto policy in isolation.
Business Coverage Review
Tell us about the vehicles and how the business uses them.
If you already have commercial auto coverage, current declarations and vehicle/driver schedules can save time. If you are starting fresh, send us the basics and we can identify what is needed next.
Start My Business Review Call/Text (530) 606-2626
Coverage availability, eligibility, terms, limits, deductibles and pricing vary by carrier, vehicle use, drivers and underwriting. Coverage is not bound or effective until confirmed in writing.