Auto insurance
Personal auto for California and Texas drivers, placed with licensed agents comparing multiple carriers. Available here, though commercial construction is what this agency is built to own — and if your truck works, it likely belongs on a commercial auto policy instead.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
What a personal auto policy holds
State minimums are a floor, not a plan. What you actually need depends on assets, vehicles, and who else drives.
Liability
Injury and property damage you cause to others. California and Texas each set minimums; both are low relative to what a serious accident costs.
Collision and comprehensive
Damage to your own vehicle from a crash, and covered non-collision losses such as theft, fire, hail, or falling objects. Deductibles apply.
Uninsured / underinsured motorists
When the at-fault driver has no coverage or not enough. Often the most useful dollar in the policy.
Medical and add-ons
Medical payments, rental reimbursement, and roadside assistance are options. Ask which ones are actually on your current policy.
The overlap that matters here
If a personal truck gets used on the job — hauling tools, materials, or a trailer — a personal auto policy typically excludes or sharply limits that use. That is the single most common uncovered claim we see cross over from the commercial side.
Employees running errands in their own cars create hired and non-owned exposure for the business. That gets fixed on the commercial policy, not the personal one.
If your account is only home and auto, a personal-lines specialist may serve you better. We will tell you that.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.