Commercial Insurance for Truckee, Tahoe, and Reno Businesses
Built for Contractors, Restaurants, Local Businesses, and Real Sierra Risk.
Donner Pass Insurance Services is an independent brokerage based in Truckee, California, helping businesses across Truckee, Tahoe, Reno, Northern California, and Nevada protect what they’ve built. We work with contractors, restaurants, hospitality groups, guides, outfitters, and local operators who need practical coverage for real-world exposures — from workers compensation and fleet to liability, property, and hard-to-place risks.
Commercial Insurance by Business Type
Different businesses face different risks. Explore coverage tailored to how your operation actually runs:
- Contractor Insurance — Coverage for trades, jobsite risk, crews, tools, equipment, and commercial auto exposure.
- Restaurant Insurance — Food service, liquor liability, staff, property, customer exposure, and business income concerns.
- Small Business Insurance — Flexible coverage for local shops, service businesses, professional firms, and mixed operations.
Who We Work With
- Construction & Trades: General contractors, painters, roofers, electricians, landscapers, and other service-based operators
- Restaurants & Hospitality: Cafés, bars, restaurants, breweries, food trucks, and hospitality groups
- Guides & Outfitters: Adventure operators, instructors, rental businesses, and seasonal outdoor businesses
- Professional & Local Service Businesses: Consultants, real estate-related businesses, shops, and other established local operators
Our sweet spot is working with businesses that need more than a quick quote. If you have payroll, vehicles, tools, certificates, contracts, seasonal swings, alcohol exposure, or carrier headaches, we can help you build coverage that actually fits the way you operate.
Coverage Built Around Real Operations
We are not a call-center agency pushing one-size-fits-all policies. We help business owners sort through workers comp audits, certificate requirements, fleet exposure, property concerns, subcontractor issues, liquor liability, and hard-to-place risks that can derail growth if they are not handled correctly. Our role is to bring clarity, advocate for your business, and help you secure coverage that makes sense in the real world.
Core Commercial Coverages
| Coverage Type | What It Helps Protect |
|---|---|
| General Liability Insurance | Third-party injury, property damage, premises liability, and jobsite-related claims |
| Business Owner’s Policy (BOP) | Bundled property and liability coverage for qualifying small businesses |
| Workers Compensation | Employee injury protection, wage replacement, and compliance support |
| Commercial Auto Insurance | Business vehicles, service vans, trucks, and fleet-related liability exposure |
| Liquor Liability | Alcohol-related liability for restaurants, bars, breweries, and hospitality operations |
| Professional Liability (E&O) | Claims involving errors, omissions, advice, or professional services |
| Inland Marine Insurance | Tools, equipment, and mobile property in transit or at job sites |
| Umbrella Liability | Additional protection above underlying liability policy limits |
| Cyber Liability Insurance | Data breach, ransomware, and technology-related business interruption risks |
Talk Through Your Commercial Coverage
If you already have coverage, we can review it and give you a straight answer. If you are starting fresh, we can walk through what actually makes sense for your operation.
Call or Text (530) 606-2626 Email for a Coverage Review
No pressure. No generic quoting. Just a straight answer.
Local Expertise, Regional Reach
We live and work in the Sierra, and we understand the operational realities that come with doing business here. Donner Pass Insurance Services serves businesses in Truckee, Tahoe City, Olympic Valley, Reno, and surrounding communities, while also supporting clients throughout California and Nevada.
- California Individual License #0E63692
- California Agency License #6017495
- Nevada Non-Resident License #197689
- Nevada Agency License #4167069
Donner Pass Insurance Services
Donner Pass Insurance Services
A DBA of Trucoop, Inc.
Based in Truckee, CA
(530) 606-2626
steve@donnerpassinsurance.com
California Insurance License #0E63692 | California Agency License #6017495 | Nevada Non-Resident License #197689 | Nevada Agency License #4167069