Commercial Auto

Having commercial auto insurance in California isn’t just a smart move—it’s often a legal requirement. 

If your business uses vehicles for work-related tasks, this coverage can be the difference between a minor hiccup and a financial disaster.

Why commercial auto is Important in California

• Legal Compliance: California law mandates commercial auto insurance for vehicles used primarily for business. This includes contractors, delivery services, food trucks, and more.

• Liability Protection: Covers bodily injury and property damage if your business vehicle causes an accident. California’s minimum liability limits are 15/30/5, but higher coverage is often recommended.

• Coverage for Business Use: Personal auto policies don’t cover business-related driving. If your employee gets into an accident while making deliveries in a company car, you need commercial coverage.

• Financial Security: Helps pay for medical expenses, legal fees, and vehicle repairs after an accident. Without it, your business could be on the hook for thousands—or more.

• Specialized Vehicles: Covers trucks, vans, and other vehicles used for transporting goods or passengers. Even ride-share and delivery drivers may need it depending on usage.

• Customizable Policies: You can tailor coverage to your business needs—whether you have one vehicle or a fleet.

Bonus Perks:

• Some insurers offer bundled discounts with general liability or workers’ comp insurance.

• You can add hired and non-owned auto coverage if employees use personal vehicles for work.

If you’re running a business in California and using vehicles—even occasionally—it’s worth reviewing your coverage.