Commercial Auto Insurance for California Businesses

Who may need this coverage

• Businesses that own vehicles used in operations
• Contractors, landscapers, and trades with work trucks
• Delivery, courier, and transportation businesses
• Companies whose employees drive their own vehicles for business (hire/non-owned)

What it may cover

Coverage depends on policy wording, exclusions, limits, and underwriting. The following are commonly addressed, subject to the policy terms:

• Liability for bodily injury or property damage you cause with a covered vehicle
• Collision and comprehensive physical damage to your vehicles
• Medical payments for occupants
• Hired and non-owned auto for rented or employee-driven vehicles

Common exclusions and limitations

• Personal use outside the policy's scope
• Certain trailers and equipment unless scheduled
• Cargo of specific types that require separate cargo coverage
• Use by excluded drivers or for undisclosed operations

Relevant optional endorsements

• Hired and non-owned auto liability
• Motor truck cargo coverage
• Trailer interchange coverage
• Additional insureds and policyholder-specific forms

Factors that may affect pricing

• Number and type of vehicles
• Drivers' records and age
• Radius of operation and primary garaging location
• Selected liability limits and deductibles

Information typically needed to request a quote

• Vehicle count, make/model, year, and VINs
• Driver list with license numbers and motor vehicle records
• Primary garaging address and radius of operation
• Current limits and any cargo requirements

A realistic example

Situation: A delivery van is involved in a collision that injures another driver and damages the van.

How coverage may respond: Commercial auto can cover the third-party liability claim and repair the van under collision, subject to limits, deductibles, and policy terms.