Commercial Auto Insurance for California Contractors | EIS California

Protecting Your Fleet, Team, and Business

Your vehicles are the lifeblood of your contracting operation—moving crews, materials, and equipment to job sites across California. Whether you operate a few service trucks or a full mixed fleet, the risks are significant: collisions, property damage, theft, and injury claims can all disrupt your business and impact your bottom line.

At Eastman Insurance Solutions (EIS California), we help contractors protect what keeps their business moving. Our Commercial Auto Insurance programs are built for construction and trade firms with 5 to 50 vehicles and revenues between $5MM and $50MM annually.

We don’t just insure your vehicles—we manage your fleet risk, control costs, and help you qualify for advanced options like Group Captive Insurance programs.

What Commercial Auto Insurance Covers

Commercial Auto Insurance provides protection for vehicles used in your contracting operations, whether you own, lease, or hire them.

Coverage Highlights

  • Liability Coverage: Protects against bodily injury and property damage you cause while operating company vehicles.
  • Physical Damage: Covers repairs or replacement of your vehicles after a collision, theft, or vandalism.
  • Hired and Non-Owned Auto (HNOA): Extends coverage to employee-owned or rented vehicles used for business purposes.
  • Uninsured/Underinsured Motorist: Protects you if you’re hit by a driver with insufficient coverage.
  • Medical Payments: Covers medical expenses for your drivers or passengers after an accident.

Our team tailors coverage to match your fleet type, operations, and client contract requirements—whether you’re running service vans in the Bay Area or heavy-duty trucks across Southern California.

Why Mid-to-Large California Contractors Need Fleet Coverage

For contractors managing multiple vehicles, traditional auto policies fall short. Fleet programs through EIS California are designed for:

  • General Contractors and Construction Managers
  • Electrical, Plumbing, and HVAC Firms
  • Concrete, Grading, and Paving Contractors
  • Roofing and Specialty Trade Companies

We help you minimize exposure with fleet safety programs, driver training protocols, and telematics-based loss control that improve safety and lower premiums over time.

Fleet Premium Expectations for California Contractors

Fleet insurance premiums are influenced by vehicle type, driver records, radius of operation, and claims history.

For California contractors, typical annual premiums range from $5,000 to $150,000, depending on fleet size and use.

EIS California negotiates with top-rated carriers like Travelers, Progressive, Nationwide, Liberty Mutual, and The Hartford to deliver fleet-rated policies and safety incentives. For firms with strong safety programs and consistent performance, we also offer Group Captive options that unlock long-term savings.

Group Captive Insurance for Fleet Programs

For contractors ready to take ownership of their risk and insurance costs, Group Captive Insurance is a transformative solution. Rather than paying premiums that disappear into the market, you and other like-minded, financially stable contractors can pool resources to form your own insurance company—gaining control, transparency, and profit potential.

Why Consider a Group Captive for Auto Coverage?

  • Cost Control: Reduce long-term insurance expenses through shared performance and underwriting profit.
  • Premium Stability: Escape the volatility of the commercial auto market’s annual rate swings.
  • Profit Sharing: Earn back unused premium dollars and share in group dividends.
  • Data Transparency: Access detailed loss data and safety benchmarks across all members.
  • Fleet Safety Culture: Captive members tend to outperform the market in safety metrics, resulting in fewer claims and lower total cost of risk.

EIS California works with top Captive administrators and feasibility partners to help qualified contractors (typically $150K+ in combined premiums across Workers Comp, Auto, and GL) join or form a Captive that aligns with their operational goals.

Integrated Risk Management Approach

We understand that true protection extends beyond a single policy. That’s why our commercial auto solutions are designed as part of your broader Contractor Insurance Program, integrated with:

This holistic approach simplifies renewals, eliminates coverage gaps, and reduces administrative costs while strengthening your financial security.

Frequently Asked Questions

1. Is Commercial Auto Insurance required in California?
Yes. All business-owned vehicles must carry at least state-minimum liability coverage, but contractors typically require higher limits to meet job or contract requirements.

2. How can I lower my fleet insurance costs?
Implement driver safety training, install telematics, and work with an agency like EIS California that actively manages your claims and risk performance.

3. What are the benefits of joining a Group Captive?
Captives reward safe, financially strong contractors by allowing them to share in profits, improve stability, and lower long-term insurance costs.

4. Can I include leased or rented vehicles?
Yes. We offer Hired and Non-Owned Auto endorsements that protect vehicles you don’t own but use for business.

5. Does EIS California help manage certificates and claims?
Absolutely. Our team provides quick turnaround for certificates, policy endorsements, and claims advocacy support for all fleet sizes.

Keep Your Business Moving with EIS California

Your vehicles represent more than just transportation—they’re your business in motion. Protect them with a partner who understands the complexities of construction risk and fleet management.

EIS California provides comprehensive Commercial Auto Insurance and Group Captive programs that deliver stability, transparency, and control.

📞 Call EIS California today or visit EISCalifornia.com to request a fleet insurance consultation.