Commercial auto for Chino's distributors, manufacturers and building trades, whose box trucks, service bodies and pickups work between SR-60, SR-71 and the industrial land around Chino Airport.
Quick answer
Most Chino fleets serve other businesses: box trucks moving product out of distribution buildings, service trucks keeping those buildings running and contractors finishing new homes. One commercial auto policy can carry all of it from a $1 million combined single limit, with national carriers that often rate fenced industrial yards and take-home trucks differently.
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Chino's own General Plan names transportation and warehousing, manufacturing and wholesale trade among the sectors that anchor its economy and counts more than 53 million square feet of existing industrial space, with newer warehouse and distribution buildings concentrated near Chino Airport. The plan's jobs table shows transportation and warehousing employment in Chino rising from 1,645 in 2002 to 6,774 in 2022. Manufacturing still matters, too: The plan notes that it makes up a notably higher share of local jobs than elsewhere in the county, and a manufacturer that runs its own trucks to customers' docks is a business-to-business fleet that generally belongs on a commercial policy even with one truck.
The Census Bureau's ZIP Code Business Patterns put about 1,141 transportation and warehousing, wholesale and repair businesses at a Chino postal address: roughly 579 wholesalers, 457 transportation and warehousing firms and 105 repair shops. Against the 95,946 residents the California Department of Finance estimated for January 2026, that works out to nearly 12 such businesses per 1,000 people, a higher ratio than Ontario's. The Department also counted 29,983 housing units, up 1.44%, and about 263 construction businesses share the same postal addresses.
Much of that activity rides on box trucks under 26,001 lbs, service bodies and pickups, and the commercial auto policy that covers a mixed fleet typically rates each one on its own use and garaging.
Official sources
These are the trades Chino owners ask us about most, each with its own page on vehicles, coverage and what underwriters want to see.
Product leaving Chino distribution buildings for retailers, restaurants and contractors' yards.
Distributor fleets in ChinoCabinet shops in light industrial space, sending box trucks to job sites.
Cabinet shop trucks in ChinoCrews wiring new tracts and maintaining warehouse power and lighting.
Electrical fleets in ChinoService vans for offices, light industrial buildings and new homes.
HVAC fleets in ChinoFlat industrial roofs and new residential roofs, with flatbeds and dump trailers.
Roofing trucks in ChinoSR-60 runs across Chino's north side and SR-71 along its west side, linking the city to Pomona and the I-10 to the north and to Corona and SR-91 to the south. Euclid Avenue, which is SR-83, is the main north–south street; Central Avenue carries traffic to SR-60; and Riverside Drive, Chino Avenue, Edison Avenue, Kimball Avenue and Pine Avenue run east toward Ontario and the I-15. Chino Airport sits in the southeast part of the city, east of Euclid Avenue and south of Merrill Avenue.
The General Plan describes Chino Airport as a general aviation field with three runways, flight schools, aircraft maintenance shops and aircraft storage, so service trucks also work hangar rows and airport roads, and contracts there may set their own insurance terms for vendors' vehicles.
Distribution fleets here usually park inside fenced industrial lots with their own docks, which underwriters tend to like, but those lots also hold trailers and box trucks that sit for a weekend with nobody on site. Contractors and service companies more often send pickups and vans home with employees in Chino Hills, Ontario, Eastvale and Pomona, and each of those is usually rated at the driver's address.
Short hops make up much of the driving: A box truck might make several stops a day within a few miles, backing into a dock at most of them. A spotter or backup-camera rule and a written fleet safety program speak directly to that pattern, and the Inland Empire metro page covers the region's freeways.
Official sources
Theft is the loss Chino fleets plan around: The CHP counted 1,802 commercial trucks and 7,331 trailers stolen in California in 2025, and commercial truck thefts fell only 5.06% while total vehicle thefts dropped 24.3%. Our breakdown of vehicle and trailer theft risk in the Inland Empire covers lot security and the tools auto coverage usually doesn't pay for.
A stolen truck is typically a comprehensive claim, which means a unit needs physical damage coverage to be protected. The CHP reports 80.0% of stolen commercial trucks recovered, and a recovered truck can still come back damaged.
Official sources
It can. Service trucks working Chino Airport's hangar rows and airport roads may fall under contracts that set their own insurance terms for vendors' vehicles, so read the agreement before the first job there.
A Chino manufacturer running its single truck to customers' docks often keeps it on a personal policy. That truck is making business-to-business deliveries, and a personal policy may not respond when one of those runs ends in a crash.
A Chino account often mixes box trucks kept behind a fenced dock lot with vans and pickups that go home to Chino Hills, Eastvale or Pomona. Spell out which units stay and which leave, with each driver's address, so both groups are rated correctly.
Truck and trailer theft weighs on Chino yards, yet a trailer missing from the schedule typically carries no physical damage coverage when it disappears. List each trailer with its own value and choose comprehensive for it.
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 Chino and the communities around it. These are the 42 cities and 87 ZIP codes within about 20 miles of central Chino. 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.