Pickup Truck Insurance

Your pickup is probably the hardest-working tool your business owns. It hauls materials, tows trailers, carries crews and tools, and sits on job sites all day. A personal auto policy usually won’t cover a truck that’s used this way, and a claim can be denied if the insurer learns the truck was being used for business. A commercial pickup truck policy from Pacific Southwest Insurance Services protects the truck, the people driving it, and your business.

Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.

Who We Insure

We write pickup truck coverage for businesses of every size, from a single vehicle to fleets of 10 or more. New ventures are welcome. Our clients include:

• General contractors and handymen
• Electricians, plumbers and carpenters
• Landscapers and tree services
• Roofers, painters and flooring installers
• Property managers and maintenance companies
• Farm and ranch operations
• Hotshot and light-duty hauling businesses

Coverage Options

• Liability: Pays for injuries and property damage you or your drivers cause to others. Many contracts and job sites require $1,000,000 in liability, and we can help you meet those requirements.
• Collision and comprehensive: Repairs or replaces your truck after an accident, theft, vandalism, fire or falling objects.
• Trailer coverage: Extends protection to the utility, equipment or dump trailers you pull.
• Tools and equipment: Protects tools and equipment carried in the bed, toolbox or rack through an inland marine policy.
• Hired and non-owned auto: Covers your business when employees drive their own vehicles or rented vehicles for work.
• Uninsured/underinsured motorist and medical payments: Protects you and your passengers when the other driver can’t pay.

What Affects Your Premium

Every operation is different. Carriers typically look at:

• How the truck is used (local service vs. hauling)
• Towing and trailer use
• Driver ages, experience and driving records
• Where the truck is garaged
• Radius of operation
• Vehicle value and the deductible you choose
• Your claims history

As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.

Why Choose Pacific Southwest Insurance Services

• Family-owned and serving California since 1965, now writing coverage nationwide
• Access to multiple commercial auto carriers, including markets for new businesses
• Fast certificates of insurance, additional insureds and filings
• One agency for your commercial auto, general liability, bonds and more
• A real person answers the phone and knows your account

Common Claims We See

• Rear-end collisions: Stop-and-go driving between job sites is the most common source of auto liability claims for contractors.
• Trailer accidents: Sway, jackknifing and hitch failures while towing equipment trailers can damage your truck and other vehicles.
• Tool theft: Truck beds and toolboxes are easy targets at job sites and overnight in driveways.
• Unsecured loads: Materials that fly out of the bed can crack windshields or cause accidents, and you’re responsible for the damage.

Tips for Pickup Truck Owners

• List every driver who uses the truck for work, including family members and employees, so a claim isn’t questioned.
• List your trailers on the policy so they have physical damage coverage, and tell us what they carry.
• Lock your toolboxes and add inland marine coverage for tools, since an auto policy doesn’t cover tools stored in the truck.

Frequently Asked Questions

Do I need commercial insurance if I only use my pickup for work sometimes?

Often, yes. If the truck is titled to your business, used to haul tools or materials, driven by employees, or used to reach job sites, a personal policy may not respond to a claim. We’ll review how you use the truck and tell you what makes sense.

Can I get certificates of insurance for my contracts?

Yes. We issue certificates quickly and can add additional insureds and waivers of subrogation when your contracts call for them.

Can you bundle my truck with general liability?

Yes. Most of our contractor clients pair commercial auto with general liability, and we can also help with contractor license bonds.

Does my policy cover a trailer I’m towing?

Liability from your truck policy generally extends to a trailer you’re towing, but damage to the trailer itself is only covered if the trailer is listed. We’ll add your trailers so both are covered.

Can my employees drive my pickup?

Yes, as long as they’re listed or meet the insurance company’s driver guidelines. Carriers review each driver’s license and driving record, so send us their information before they get behind the wheel.

Other Vehicles We Insure

• Cargo Van & Sprinter Van Insurance
• Box Truck Insurance
• Dump Truck Insurance
• Food Truck Insurance
• Pump Truck Insurance
• Cherry Picker, Bucket & Lift Truck Insurance
• Flatbed Truck Insurance
• Stake Bed Truck Insurance
• Commercial SUV Insurance
• Landscaping Truck Insurance
• Plumbing & HVAC Service Van Insurance

Don’t see your vehicle? We insure most commercial vehicles, from pickups to long-haul tractors. See all commercial auto coverage.

Get a Pickup Truck Insurance Quote

Tell us about your vehicles, drivers and operations and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.