Commercial Auto Insurance
Coverage that keeps your business — and your vehicles — moving forward.
If your business depends on vehicles — whether for deliveries, transporting tools, or meeting with clients — Commercial Auto Insurance helps protect you from the financial impact of accidents, injuries, or property damage while your vehicles are used for work.
Also known as Business Auto Insurance, this coverage is essential for companies that drive as part of their daily operations — from contractors and delivery services to consultants on the go.
What is commercial auto insurance?
A commercial auto policy covers vehicles owned or used by your business. It typically includes:
Liability coverage — for injuries or property damage you cause to others
Collision and comprehensive coverage — for damage to your business vehicle
Medical payments / personal injury protection — for driver and passenger injuries
Uninsured / underinsured motorist coverage — if another driver lacks sufficient insurance
Coverage can be customized to meet your business needs and comply with California’s insurance requirements.
Do I need business auto insurance?
If you use a vehicle for anything beyond personal commuting — such as transporting tools, goods, or clients — your personal auto policy likely won’t cover it.
This coverage is especially important if your vehicle is registered to a business, since most states (including California) require a business auto policy for company-owned vehicles.
It may also be required by vendors, partners, or clients as part of a contract. Business auto insurance is designed to handle the unique risks of driving for work, ensuring your company stays protected on every trip.
What vehicles are covered?
Business auto insurance can cover a wide range of vehicles used for work, including:
Sedans, SUVs, and pickup trucks
Cargo vans and service vehicles
Delivery trucks and box trucks
Food trucks and catering vans
Whether your business has one vehicle or a fleet, this coverage ensures you’re protected every time you’re on the road.
What’s the difference between personal and business auto insurance?
While personal auto insurance covers everyday commuting, it generally excludes accidents that happen while driving for business purposes.
Commercial auto insurance offers higher liability limits, broader protection, and flexibility for multiple drivers or vehicle types.
If driving is part of your job, this policy ensures your business — not just your vehicle — is properly protected.
Get coverage that protects your drivers, vehicles, and operations — all in one policy.