Commercial auto for builders, remodelers, landscapers and repair shops based in Arcadia, where new housing and an industrial area off Peck Road share the same foothill city.
Quick answer
Arcadia contractors typically put their pickups, trailers and service trucks on one business auto policy, with trailers scheduled so they can carry their own theft and damage coverage and each unit listed where it parks at night. For Arcadia accounts, we begin at a $1 million combined single limit, the figure most general contractors and property owners write into their contracts.
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Arcadia added housing faster than any other Los Angeles County city on our areas list in the latest state count: The Department of Finance shows housing units up 2.05% between January 2025 and January 2026, with population up 1.36% to 57,095. Census Bureau counts for 2023 show about 149 construction businesses and about 496 transportation and warehousing, wholesale and repair businesses with an Arcadia postal address.
The industrial side is concentrated. Arcadia's General Plan describes a successful industrial business area off Peck Road between Clark Street and Randolph Street, keeps industrial land near the I-605 and holds pockets of it for uses such as auto repair and small manufacturing. Those shops tend to run pickups, flatbeds and service trucks, while the home building and remodeling across the city keeps contractors' crew trucks and trailers on the move.
Residential work shapes the schedule in other ways, too. Builders and remodelers tend to run more trailers than service trades do, and each trailer needs its own line, value and physical damage choice. Many also hire subcontractors who bring their own trucks; a sub's truck usually belongs on the sub's policy, and your contract should say so.
Official sources
These pages match the work Arcadia fleets do, from new homes to shop repairs. Heavier units such as flatbeds and dumps are covered on our commercial truck insurance hub.
Crew trucks and trailers for new homes, additions and remodels across Arcadia.
General contractor commercial auto insuranceFlatbeds and dump trailers hauling tear-off and material for reroofs.
Roofing contractor commercial auto insurancePickups and trailers whose mowers and tools usually need coverage outside the auto policy.
Landscaping truck and trailer insuranceService trucks carrying chlorine and acid between pools and the supply house.
Pool contractor commercial auto insuranceService and crane-body trucks working out of the Peck Road industrial area.
Equipment repair commercial auto insuranceThe Foothill Freeway (I-210) crosses Arcadia east to west, and the San Gabriel River Freeway (I-605) runs close to the industrial land on the city's southeast side. Huntington Drive, Santa Anita Avenue, Baldwin Avenue and Live Oak Avenue carry most local truck traffic, and Monrovia, Sierra Madre, Temple City and El Monte are close enough that crews cross city lines several times a day.
Garaging splits two ways. Trucks based at a Peck Road shop can sleep behind its gate, while contractors' pickups and trailers often spend nights at job sites or at the owner's home, and each needs its real address on the schedule. A parked trailer with no hitch lock can be an easy target anywhere in the San Gabriel Valley; insurance for work trailers explains how each one is listed and valued. For how carriers view the whole county, see truck and fleet insurance across Los Angeles County.
Official sources
The fire risk here is close at hand: The Eaton Fire started January 7, 2025, near Altadena Drive and Midwick Drive in Altadena, in the foothills west of Arcadia, and CAL FIRE's incident page lists 9,419 structures destroyed (as of 2026-10-14).
If your trucks work the rebuild, our guide to fleet insurance during a fire rebuild covers adding units, debris hauling and parking at burn-zone sites, and fleet safety measures underwriters often credit covers the claims side.
Before red-flag days, move trucks away from brush-lined lots where you can and keep a list of who drives each unit out if an evacuation order comes.
Official sources
Usually the subcontractor's own. When an Arcadia builder or remodeler hires a sub that arrives in its own truck, that truck belongs on the sub's policy, and the subcontract should say so and require the sub's certificate.
Arcadia crews sometimes leave pickups and trailers on brush-lined lots through a red-flag warning. Moving them ahead of time, and naming who drives each unit out, helps keep an evacuation order from turning into a scramble.
Arcadia builders and remodelers usually run more trailers than service trades, and each one is its own decision: a line on the schedule, a value and a physical damage choice. A trailer the crew can't work without often warrants physical damage coverage.
An Arcadia builder taking on Eaton Fire rebuild work in Altadena may add pickups, trailers or a debris truck partway through the term. Each should be added by endorsement before its first day, and debris hauling brings underwriting questions of its own.
Timing depends on the carriers and your loss history.
Have ready: vehicle list with VINs, driver list, current declarations page, loss runs.
We write commercial auto and fleet policies for businesses that garage vehicles in Arcadia and the communities around it. These are the 67 cities and 165 ZIP codes within about 20 miles of central Arcadia. A yard or driver farther out is fine too, as long as the vehicles are based in California.
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Fleet quotes for California businesses running up to 50 trucks and vans.